What small changes are you making next year to help with retirement?

I try to make one or two small improvements each year that move us closer to retirement without making a big impact on our day to day budget. For the past few years I’ve increased my 401k contribution by 1% each year. Next year I’m only getting a 1% raise, so doing that again might feel too tight.

One thing that will help is the Dependent Care FSA limit is going up next year, so maxing that will reduce our taxable income and make it a little easier to keep funding our Roth IRAs.

I’m curious what everyone else is planning to adjust or improve next year. Even small stuff that adds up over time. I feel like I’m running out of ideas and want to see what others are thinking about