Retirement planning is at the bottom of most Millennials to-do lists, according to Milliman. More than half of those under age 30 are unemployed, including 14 percent of those who graduated from college between 2006 and 2010, who are unable to find full-time work.

In 12 practical tips for Millennials, author Jinnie Regli offers advice for individuals who are struggling to make ends meet but still need to think about their financial security.

Regli suggests that even if Millennials can't save everything they need to right now for retirement, getting started is a good first step. She recommends:

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