Yesterday I was awarded a 2% raise for completing the first step of the clinical ladder. Yes, 50 cents an hour doesn't sound huge, but it adds up and comes out to a few thousand dollars per year. I'll be increasing my 401K contributions by 2%. Right now I contribute 10%. My goal is to get to a point where I contribute 15% of my income within the next 3 years. I'll be increasing contributions every time I get a raise, so I don't miss the money.