If you don't already have a set monthly amount to save, then start small. Even if it's just $40-$50 a month to start, anything is better than nothing. Michael Nemeroff from RushOrderTees agrees. "Start saving money right then and there, even if it was only 5 or 10 dollars at a time, importantly, to not touch it with very good reason. When people are young, the idea of their late 30s, late 40s, and the entirety of their 50s feels like it will happen to someone else, and in a way, they are right; the person they become will be formed by the person they are then.", Nemeroff says.