As a nurse, you spend most of your life taking care of others — but who’s going to take care of you when it’s time to retire? A Fidelity Investments Money FIT Nurses Study revealed that 56 percent of working nurses don’t feel confident when it comes to financial planning. The same study found that 41 percent of nurses who don’t have confidence about financial planning cite lack of time to focus on financial goals as the reason. Cultural differences and language barriers can further stand in the way of working nurses as they strive to save for the future.

It’s tough being a nurse because you’re pulled in different directions every day, but taking the time to put your financial ducks in a row for retirement will pay off big when it’s time to hang up your scrubs for good. Here’s how to get started or bolster your savings efforts while there’s still time.

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