<human>:  How do I start saving money for retirement?
<bot>: 
1. Assess your current financial situation
 • Estimate how much money you need to save for retirement and other financial goals.
2. Set a realistic budget
 • Track your spending and create a budget you can follow.
3. Start investing
 • Research different types of investments and consider the long-term rate of return and risks.
4. Make saving automatic
 • Make saving a priority by setting up an automatic deposit into your savings account or retirement account.
5. Increase your savings over time
 • Set a goal to increase your retirement contributions each year or give yourself other challenges to help you save more money.