b"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"