(NewsNation) — Around 44% of America’s workers are putting more than 10% of their salaries in retirement accounts, making them “super savers,” according to new research from the nonprofit Transamerica Institute.

With the funds that Social Security relies on to pay out benefits expected to run out in 2035, financial expert Pattie Ehsaei told NewsNation’s “Morning in America” becoming a super saver is an incredible idea.

“You’re not going to be depending on that for your retirement, so it’s so important to start saving now,” she said.

Ehsaei’s steps to reach super saver status are:

• Max out on 401k, IRA contributions
• Create and stay on a budget
• Allow three luxuries and cut the rest

Research found the majority of workers (56%) aren’t putting away money on that level, but Ehsaei said it’s never too late to start.

“This is not a get-rich-quick scheme…As long as you have about 10 years to go, you can start investing and you’ll be fine,” she said.

Dubbed the “Duchess of Decorum” on Tiktok, Ehsaei implored those living paycheck to paycheck to get a side hustle like food delivery or data entry online to supplement: “Do whatever you need to do to scrape up $100 a month. That’s all you need to start investing.”