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There’s evidence that millennials are very aware of retirement and are saving more than previous generations. Personal finance journalist Jane Bryant Quinn, author of author of How to Make Your Money Last: The Indispensable Retirement Guide, would like to see an automated savings plan for workers who are freelance or work for themselves. The best way to save for retirement is to take the money out before you see your paycheck. And if you don’t work for a big company that offers a 401(k) plan, you either need to be diligent about setting the money aside or setting up a Roth IRA.