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A savings account is a safe place to keep your cash-but if you leave everything there, you’re losing money. While investing can sound overwhelming (especially if you were burned by the last recession) it’s almost impossible to save for retirement without it. Here’s how to get started.

Expert: Nicole Lapin. The National Association of Personal Financial Advisors' website can direct you to a nearby financial advisor with hourly rates. For more information on today's episode, visit glamour.com/money.