For millennials, retirement may be more of a challenge than for prior generations. They are almost certain to live longer than their parents, so their money will have to last longer and clear more hurdles along the way.

For starters, no one really knows what Social Security is going to look like in 30 or 40 years. No matter how Congress adjusts the system over the next decade, younger workers shouldn’t count on receiving the same benefits as their parents.

“I tell younger investors to plan as if Social Security will be nonexistent when they retire,” says Ryan Fuchs, a certified financial planner in Little Rock, Ark. “I don’t believe that will be the case. But if they can create a successful plan without it, then any money they do receive will be icing on the cake.”

After paying rent and, for many, student loans, finding the money to save for retirement might seem like an impossible task. In a 2017 survey from GOBankingRates, more than 60 percent of millennials reported having less than $1,000 in a savings account, and 46 percent of respondents ages 18 to 24 said they had nothing saved.

Sixty-six percent of people ages 18 to 29 say investing in the stock market is scary or intimidating, according to an Ally Financial survey.

“When we meet with younger clients, we’ll use simple calculations to show what saving a few hundred dollars a month can do for a portfolio when you extend that growth over 40 years,” says Nate Creviston, a CFP in Shaker Heights, Ohio.

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