Do you get an annual raise? I do. It comes every April and is usually around 3%. So, in order to make my retirement savings keep growing, I also have my 403(b) contribution set to go up 1% every April.

This way, I still get to see extra money in my paycheck, but my retirement savings sees extra money, too. I never get used to having more and then have to dial back. Instead, it all happens at once. Simple, easy, automatic.