They are more difficult to implement through discipline than administrative human_centric processes (although some discipline is needed). It is better to focus on obtaining buy_in from the people affected by the processes through early involvement, communication and expectations management. It is a known fact that knowledge workers are reluctant to change their habits. Some say knowledge workers don';t like following procedures because they feel it limits their creativity; but most of the time they will be happy to follow a procedure as long as they see value in it, perceiving that it helps them work better and produce a better process output.
Another tip would be to look in to a so called tax_sheltered plan, these plans are also called 401(k) plans and most times are offered by your employer. It would be wise to join such a program and put as much money as you could possible afford in it. your employer is allowed to put extra money on top of the portion you put in, they will get a tax deduction for this as well so everybody is happy with this type of plan. A final tip could be to give some thought towards investing you money, the way you save is at least as important s how much you save. No matter how much you save just be aware that you need to put something aside if you want to enjoy the golden days with the same, or even more, joy as you did your working life.