A teenager checks her savings account on mobile phone.LeoPatrizi/Getty ImagesFor Gen Z, retirement is 40 or 50 years away, but now is the perfect time to start saving.Investing early and building healthy financial habits is key to a successful retirement.Four financial experts shared their top strategies to kick-start retirement savings.For Gen Zers just entering the workforce, retirement may seem too far away to be a concern.Or, it may seem difficult and anxiety-inducing, especially as Gen Z juggles student loan debt, high costs of living, and a tough job market.