Experts say different generations have separate approaches to their saving strategies, and factors including inflation are influencing the way New Yorkers handle their savings. 

Self-employed content creator Maria-Isabelle Parada said she’s focused on more than her social media content and her day-to-day income.

She started saving for her retirement last month.

“It helps me be more empowered, more confident, more secure about me, about my business,” Parada, founder of M.I. Sports, said.

Parada acknowledges it is hard, only able to put away $200 a month. She’s has had her hands full paying rent and for her camera equipment.

At 29-years-old, she’s among about six in 10 people her age or younger who are already saving for retirement, according to experts.

“I always thought about it but I was focusing on building the business,” Parada said.

Fashion publicist Bayr Ubishi, 34, is also saving.

For the last two years, he has invested in the stock market and contributes 10% of his salary to his retirement.

He said the cost of living makes saving tough for him and his husband.

“The main goal: we are planning to get money and leave [for] Europe honestly, because the rent is cheaper,” Ubishi said.

Financial adviser Melissa Dincher said younger generations are saving less than older generations in part because of greater expenses, including student debt.

“In the past, perhaps not as many people were going to college, the cost of college was much less,” Dincher said.

Retiree Dora Lauren said inflation forces her to make difficult choices every day as she begins her retirement this year at 70.

“I see the price for meat. [It is] twice as much as it used to be,” she said.

Though Lauren saved diligently with 401k plans and Individual Retirement Plans or IRAs, she tries to cut back. Some nights she does that by cooking dinner at home.

“Instead of going to a restaurant on a Friday night and wasting money, I started more cooking,” Lauren said.

Entering retirement, she said, is a challenge for her since it is still so new.

“It’s a conundrum. When I had money, I did not have enough time and vacation to go wherever I wanted,” Lauren said.

Now she has the time but not the money, something Parada wants to avoid, but she knows she has a long way to go.

“For me, you give me a goal and I’m like, ‘OK, I’m going to go and get it,’” Parada said.

Fidelity Investments recommends for people to have at least one year’s salary saved for retirement by age 30 — three times by 40, six times by 50, eight times by 60 and 10 times by 67.