Have you ever wondered why financial experts always emphasize saving early? It’s not just about setting money aside—it’s about using time to your advantage. When it comes to securing your future, especially for retirement, compound interest can be your best friend.

For those who are investing or planning for their retirement, the past couple of years have been challenging, to say the least. From turmoil in the housing and stock market to historic inflation driving up the price of rents and groceries, savings and retirement planning have unfortunately taken a back seat for many Americans. In fact, according to a study from Bankrate, most Americans can no longer keep up with their retirement savings.

Saving for retirement can be a daunting task. With so much information out there, just figuring out how to get started is confusing. That’s why we created this easy to understand guide for our members. Here you’ll learn the basics of retirement savings and the ways you can get started.