Typically, younger people don’t make retirement savings a priority. Living expenses, student debt, rent or house payments, and other day-to-day expenses mean that retirement savings takes a back seat. In fact, a survey from January 2016 says that 40 percent of millennials don’t have a retirement plan in place, and 57 percent haven’t started saving. However, delaying starting to save will make it much more difficult to have a secure retirement later. Here are some tips to help millennials get a leg up on saving.

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