If future financial planning sends you into a mini panic attack, you’re not alone. According to a 2023 analysis by the National Institute on Retirement Security (NIRS), Gen Xers, who are starting to approach retirement age, only have $40,000 saved for retirement. Millennials aren’t doing much better, holding the title of having the highest average debt of the entire U.S. population. Growing up, my family didn’t talk about money — it was tacky, so I can see how the above happens. With the