In 2018, it’s hard for many millennials to even picture what retirement is going to look like, let alone how much they should save for that time. While the thought of retirement savings may be stressful, there’s no need to worry. Luckily, there’s a way you can save for retirement without overthinking all the little details your retirement might entail.

Invest in your future self

The truth about saving for retirement is that it doesn’t necessarily have to mean saving money specifically for retirement.

Saving any money at all, or as much as you can, is better than nothing. And when you save now, you’re investing in the future you – regardless of when or if you plan on retiring.

Set yourself up

Another part of saving for retirement is setting yourself up nicely for the future. But who says that future needs to be in 20, 30, or 40 years?

Saving money now can help you live out your dreams far before you retire. Say, if you decide to travel with friends in your late 20s or take a pay cut to chase your dream job.

Financial flexibility

The most important aspect of beefing up your savings is ensuring you’ll be financially flexible, no matter what life throws at you. This could include losing your job, an emergency medical situation or just a string of costly expenses set you back.

While saving money for retirement is responsible and all, its even more responsible for people today to establish their emergency fund if unfortunate circumstances do arise.

If you already happen to have an emergency fund, you may want to consider investing in a Roth IRA. This is an investment account you can still fall back on if your emergency fund doesn’t quite cover everything it should, as there are no fees for pulling contributions.