If you have any retirement savings at all, you’re already ahead of many Americans. About 40% of Americans have no money in retirement accounts at all, according to Gallup (3).Read more: Warren Buffett used 8 solid, repeatable money rules to turn $9,800 into a$150B fortune. Start using them today to get rich (and stay rich) ’From here, most financial experts recommend building out an emergency fund, then getting to investing as soon as possible. But becoming debt-free is the first, and arguably most importa ...