If you're trying to contribute the max to your retirement plan, know this: You can still have your Netflix or Hulu subscription and go on vacation.
The Principal Financial Group studied 1,498 adults in October and November last year. Participants saved at least 90 percent of the maximum allowed under their retirement plan.
This year, you can defer up to $18,500 in your 401(k). In addition, you can save up to $5,500 annually in an IRA, plus $1,000 more if you're over age 50.