When you first enter the workforce, retirement can seem very far away. Because of this, saving for retirement doesn’t get placed high on the priority list. The reality is, however, saving for retirement early on can lead to more wealth for you in the future when you need it.

Did you know that about 41% of people ages 18 to 29 admit that they have never even thought about retirement planning (according to a recent survey)? If you find that number surprising, consider this, as well: Out of those who are nearing retirement age, one in five say they have no money saved. With an eye to the future and some good financial planning, you don’t have to be like so many Americans who struggle after retirement due to a decrease in personal wealth.

So, how do you get started?

If you are employed and have a reliable source of income and you’ve begun paying off any debts such as student loans or car loans, you’re off to a great start. Many find that sitting down and speaking with trained financial advisors or financial planners is a great way to get a plan in place. According to a recent survey, 44% of the people surveyed reported using a defined contribution plan such as a 401(k) or a 403(b). Depending on your household income, amount of debt, and size of your family, a qualified financial advisor can steer you in the right direction and help you find a retirement plan that is perfect for you.

If you’re fortunate enough to have an employer-sponsered retirement plan offered at your job, take advantage of it! This is a great way to get the ball rolling and it is a great opportunity to make contributions to your retirement plan before taxes. Many employers will even match your contributions, so you have even more of an incentive to contribute.

How much should you contribute?

While this is different for every individual, it is recommended that you put away 10%-15% of your income for retirement if you are starting to save when you’re young (in your 20s). If you can afford to save more, by all means, go for it!

Remember, you never know what the future may bring, but you can lessen your anxiety and feel confident if you prepare for it. Saving for retirement is a great way to ensure your will have wealth in your future not only for yourself, but for your family, too. And, you’re never to young to start!