Go to calculators.aol.com/tools/aol/savings13/tool.fcs and go to "What's it worth to reduce my spending?" You can input various expenses that can be reduced and determine the savings that will accrue over time. Input your age, your age at retirement, 2% for the rate you can earn on savings, and 25% and 6% for the federal and state tax rates, respectively.

a. If you waited to buy a car, you could, perhaps, save $220 monthly. Enter this information and go to the Results page to find out what this savings would amount to at retirement.

b. If you ate out less, you could save, say, $150 monthly. Enter this information and go to the Results page to find out what this adds up to by retirement.

c. If you went to fewer movies and reduced expenses by $50 monthly, how much extra could you save by retirement? Enter this information and go to the Results page to find out the impact.

d. If you paid off credit card balances and reduced interest costs by $100 monthly, how much could you accumulate by retirement? Enter this information and go to the Results page to find out.

e. If you took all these measures to reduce your spending, what is the total savings you could accrue at retirement? To find out, look at the bottom section on the Results page.