If your really want to be succesful in retirement planning, its time to work on your expenses.  I know everybody hates to budget- but this article got me thinking.  Look at each of the mutual funds inside your IRA, 401k or 403b and determine the expense ratio.   Try to invest in funds that have lower fees.  You should be able to enter the trading symbol for each of the funds at websites like Morningstar or Yahoo Finance.  Remember, every mutual fund including no-load funds will have this ongoing fee.

The Hartford Courant guide to your "inner cheapskate".

If you are paying more than 0.93 percent for your funds, you probably are paying more than necessary. Several major mutual fund companies lately have reduced their fees, Morningstar mutual fund research director Russell Kinnel said. Some have cut them under pressure from regulators - a result of mutual fund scandal investigations over market timing and late trading in 2004.