Almost 46% of Americans have no money saved for retirement, according to a recent GOBankingRates survey. Some Americans who haven’t prioritized saving for retirement say it’s because they have too many financial obligations or aren’t making enough money to start saving.

Although saving for retirement might seem like an impossible task, there are many easy ways to build that fund. You just have to get started or refocus your efforts and keep going. Use these tips to help grow your retirement savings to $1 million and beyond.