viewer taylor shoemaker wants to payoff $10,000 to $15,000 in student loans this year. while jessica schulz says she's going to cut back on eating out. and rusty best plans to put more cash into his 401(k) and roth i.r.a. accounts. while all are good ideas for keeping more cash in your pocket, financial expert gregg mcbride says rusty's idea may be the easiest way to save. >> annual contribution limits for both i.r.a.s and 401(k)s have increased this year so everybody's in a position to put more money in this year, than they did last year. and the beauty of the 401(k) is that this money comes out of your paycheck directly before you have a chance to spend it. that's the best way to save. >> reporter: he also says if you want financial resolutions to succeed, the best way to do it is by having a plan. >> nothing helps you sleep better at night than knowing you have money tucked away for a rainy day, only one in four american households has an adequate emergency savings cushion, so three of four still have a lot of work to do in that area, make your goal in 2013 building

viewer taylor shoemaker wants to payoff $10,000 to $15,000 in student loans this year. while jessica schulz says she's going to cut back on eating out. and rusty best plans to put more cash into his 401(k) and roth i.r.a. accounts. while all are good ideas for keeping more cash in your pocket, financial expert gregg mcbride says rusty's idea may be the easiest way to save. >> annual contribution limits for both i.r.a.s and 401(k)s have increased this year so everybody's in a position to put more money in this year, than they did last year. and the beauty of the 401(k) is that this money comes out of your paycheck directly before you have a chance to spend it. that's the best way to save. >> reporter: he also says if you want financial resolutions to succeed, the best way to do it is by having a plan. >> nothing helps you sleep better at night than knowing you have money tucked away for a rainy day, only one in four american households has an adequate emergency savings cushion, so three of four still have a lot of work to do in that area, make your goal in 2013 building