It's never too early - or too late. Whether you're just beginning your career, a seasoned educator or getting ready for retirement, keep these tips in mind:

If you're feeling cash-strapped, even small savings in everyday life can go a long way in your 403(b). Every dollar you put in has potential to grow - especially if your employer matches a portion of your contributions. 

Over your working years, the value of saving with pre-tax dollars really makes a difference. Because your contributions keep earning without diverting money to pay taxes, your savings work harder for you while decreasing your yearly taxable income. 

If you're over 50, you have the option to make even higher tax-deferred catch-up contributions.