If you ever attended a Tony Robbins event where he spoke of raising your standards, this will be familiar. He taught us that we need to turn our “shoulds” into “musts.” Yes, you should begin saving more money for retirement.
But what you really should be thinking is: I must increase my savings for retirement! When you re-characterize something that you might do, something that you can do or something that you ought to do into an absolute must do, your thinking changes. This takes self-discipline. Your priorities change. It is a re-ordering of what is most significant to the top of your list from the bottom. Saving and investing for the future becomes an absolute must. If that becomes your governing principle, you likely will not spend $32 a week on expensive coffee.