The lure of the new car, exotic vacation,or latest in electronic gizmos is oftentoo much for many Americans to resist.The result is an epidemic of spending thatcan drain cash from your wallet and leaveyour retirement savings high and dry. Put your retirement savings onautomatic. If you can participate in a401(k) plan, that's the best way to go,especially if your employer matches all orpart of what you put in. If not, it's easy toset up an investment plan that takes apercentage of your paycheck and stashesit away in a mutual fund or other investmentbefore you get to spend it. If you'rea hardcore spender, you may want tostart at 1% of your income, aiming to getto 10% or more down the road.