Saving for retirement can never be started too early or too late. With just a few changes you will be surprised at how quickly it will add up. As a way to increase your retirement savings, begin by looking over your insurance. You bought that insurance at a younger age and now that much coverage may not be necessary.
The same story for your car insurance and home insurance. Since you are now more financially secure, you can change your deductible and save some money that way. Instead of going for that new car every couple of years, wait till a couple years after you have paid it off. In this way, you can continue making monthly payments but make them to your savings account instead as another way to increase that total.
Getting credit cards paid off will save you about 15% in interest fees. Paying these fees are like throwing money away so pay them off and then try not to use them at all. Instead put your money toward 401K contributions for yourself and your retirement. Avoid that temptation of spending because you have what you need already, want and need at two different things.