It is not easy to build up retirement savings. And if you're feeling that stress, you’re not alone. Last year, a survey found that 55% of Americans say they feel behind on saving for retirement. That's how today's listener Andy feels. Nicole gives three tips for kickstarting your financial future.Money Rehab Episodes Referenced in This Episode:Target Date Funds: https://link.chtbl.com/A-R_jRxt Back Door Roth IRA: https://link.chtbl.com/OmdfFe0G Robo-Advisors: https://link.chtbl.com/ZFGnL-aO Find out whether you’re eligible for a Roth IRA here: https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2023