Gen Z adults aren’t saving their money.

Only 15% of Gen Z regularly puts a portion of their paycheck into a savings account, according to a recent Bank of America survey. And just 1 in 5 Gen Zers are contributing to a retirement account.

The survey gathered 1,097 responses from adults 18 and older and an overlapping sample of 1,091 adults between the ages of 18 and 27. Gen Z is typically defined as those born between the years of 1997 and 2012.

The good news: Gen Zers are still under 30, and have plenty of time to save money and develop smart financial habits.

But it’s not an overnight process, says Douglas Boneparth, a certified financial planner and founder of Bone Fide Wealth. He urges young adults to ignore any pressure from social media or people around them and do what’s best for their life.

“Everyone’s financial situation is different,” he says. “If you focus on yourself and work on what you can control, you’re going to be better off for it. Saving is great, but the discipline around how you manage your money is far better.”

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In fact, Gen Z’s youth is even more reason to start now, says Winnie Sun, a CFP and co-founder of Sun Group Wealth Partners.

“When you’re younger, there’s two ways of building wealth,” Sun says. “I always say, either you already have wealth, then you just get wealthier, and that’s great. Or the second is, you’ve got a lot of time. And for a Gen Zer, you definitely have a lot of time. Even if you save and invest small bits now, it’s going to contribute and compound to a very significant amount of savings in the future.”

Here are three steps to get started building up both your short-term and long-term savings.

1. Manage your monthly earnings

2. Save enough for a rainy day (or a few)

Even if you haven’t built up that financial discipline yet, you should at least be saving for any number of worst-case scenarios, like losing your job. That might look like setting enough aside to cover three to six months of your living expenses, Boneparth says.

A more ambitious goal might be six to nine months worth of expenses, but either way, be thinking about what you might need to survive if your cash flow is disrupted, he says.

For example, if you bring in $5,000 a month and your expenses cost $4,000, you’ll typically have $1,000 a month you’re able to save. It’s a good idea to start thinking about where you want to place that money and what purpose those savings might serve, says Boneparth.

3. Evaluate your goals

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