I know the general advice that's out there is to save 10 percent of your paycheck. Most people say they can't. Has anybody every seen somebody start with a much much smaller percentage, then slowly bump it up over time to reach 10 percent? 

It's probably a lot easier to get somebody to save 2%. After 6 months, it shouldn't be too difficult to bump it up another 2. The resistance should be lower because they aren't starting something new, but slightly changing something they're already doing. Starting is usually the hard part. Plus, watching a savings account grow needs to be felt, rather than imagined, in order to work. 
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