When personal finance journalist Jane Bryant Quinn was in her 20s, she didn’t think she could save for retirement because she was living paycheck-to-paycheck. Then Jane, author of How to Make Your Money Last: The Indispensable Retirement Guide, got some good advice from a colleague, who told her to just start saving. So she had money automatically deducted from her paycheck and deposited into her company’s retirement savings plan. She was still living paycheck-to-paycheck, but she was saving for retirement, too. She didn’t miss the money. And that leads her to the best financial advice she would give someone today.