Automating: The best way to make sure you're saving enough is to automatically put a chunk of your money into your savings and retirement accounts every month.

自动存钱：确保你攒够钱的最好方式是每月自动往储蓄账户和退休帐户转一大笔钱。

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The government wants to introduce, also in 2012, a new system of personal retirement-saving accounts.

ECONOMIST: Pension prospects

It gives folks saving in employer-sponsored retirement plans the same tax diversification choices as folks saving in Individual Retirement Accounts, well almost.

FORBES: Turn Your 401(k) Into A Roth To Beat Tax Hikes

But the same individuals reduced the amount they were saving outside retirement accounts by almost exactly the same amount, leaving total savings essentially unchanged.

FORBES: Tax Subsides for 401(k)'s Work, But Not for the Reasons You May Think