• This June 24, 2016, file photo, provided by NerdWallet shows Brianna McGurran, a columnist for personal finance website NerdWallet.com. "Ask Brianna" is a Q&A column for 20-somethings, or anyone else starting out. (Jazeena Baeza/NerdWallet via AP, File)

    Ask Brianna: How can I cut costs as a wedding guest?

    “Ask Brianna” is a Q&A column from NerdWallet for 20-somethings or anyone else starting out. I’m here to help you manage your money, find a job and pay off student loans — all the real-world stuff no one taught us how to do in college. Send your questions about postgrad life to [email protected]

  • In this Thursday, Oct. 13, 2016, photo, Shavonne Henry, right, greets her 7-month-old son, Jordan, as her husband, Michael Henry, brings him into the kitchen after a nap at their apartment in Vancouver, Wash. Nearly half of all Americans aged 18 to 30 have nothing in retirement savings and no access to a traditional pension, according to a survey. “I feel pretty good about our future,” says Shavonne Henry. “The reason we got to saving at all was I took a finance class in college, and part of the course was: If you want to have the kind of retirement you want to have, you should start saving at 20,” she says. “I don’t think that’s talked about enough.” (AP Photo/Don Ryan)

    Nearly half of young adults lack retirement savings, pension

    NEW YORK (AP) — Young Americans with even just $1 saved for retirement are ahead of the pack.