One is Tsering Yangchen, a 25-year-old publicist in Minneapolis, who was able to sign up for her for her company’s 401(k) plan and was able to match the employer 7% contribution with 7% of her salary.

At her next job she wasn’t able to enroll in the 401(k) plan for a year, so she took matters into her own hands, signing up for an individual retirement account and making contributions directly from her checking account.

Millennials are at the greatest advantage for retirement saving — they have time on their side, experts say, and their money earns compound interest, which is interest earned on the money they put in as well as the interest that money earns.   Any contribution counts — even just a few dollars. One mobile investing platform, New York-based robo adviser Stash, suggests investors start with just $5 a month as they become familiar with investing.

What anyone in their 20s can do, however, is find consistency in their money habits, such as saving for the future, allocating income toward big life goals as well as emergency situations and paying down debts. Millennials seem to be pretty good about saving, for emergencies and retirement, but still about a third of consumers say they might not be able to afford an unexpected $2,000 emergency.

One way to save for both retirement or an emergency is by investing in a Roth individual retirement account, where money can be withdrawn penalty-free if it’s just the principal and not the interest earned on the assets, Alex Rupert, assistant portfolio manager at Laurel Tree Advisors in Cleveland, Ohio.

And while working on generating more income, such as doing a good job at work, asking for a raise or partaking in side gigs, you should also focus on what you can easily control, such as the money you’re currently using, Boneparth said. Cait Flanders was 29 when she decided to meticulously analyze her spending habits — she threw away 75% of her stuff, paid off $30,000 in debt and went on a two-year shopping ban, all while tracking her weekly spending. “Re-examine your lifestyle,” Boneparth said. “Build that discipline so that when you do receive additional income, you can afford to save it toward your goals.”