1. Employer Matching Contributions: Taking full advantage of employer matching contributions in retirement accounts like a 401(k) or 403(b). 2. Catch-Up Contributions: For nurses aged 50 and over, making catch-up contributions to retirement accounts can significantly boost savings. 3. Automatic Contributions: Setting up automatic contributions to retirement accounts ensures consistent saving without the need for manual intervention. 4. Reducing Debt: Paying down high-interest debt can free up more funds for retirement savings.