It is not easy to build up retirement savings. And if you're feeling that stress, you\u2019re 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.\nMoney Rehab Episodes Referenced in This Episode:\nTarget Date Funds: https://link.chtbl.com/A-R_jRxt\xa0\nBack Door Roth IRA: https://link.chtbl.com/OmdfFe0G\xa0\nRobo-Advisors: https://link.chtbl.com/ZFGnL-aO\xa0\nFind out whether you\u2019re eligible for a Roth IRA here: https://www.irs.gov/retirement-plans/amount-of-roth-ira-contributions-that-you-can-make-for-2023