Saving money doesn't have to be complicated, says financial adviser Beth Kobliner. The main point is for young people to get started early, she says. Justin Sullivan/Getty Images hide caption

itoggle caption Justin Sullivan/Getty Images

Personal finance websites allow their users to track even small expenses — such as coffee-shop visits — and set savings goals, like paying for a long vacation. PR Newswire hide caption

itoggle caption PR Newswire

Mobile apps are one mechanism helping the tech-savvy to manage their finances. iStockphoto.com hide caption

itoggle caption iStockphoto.com

Kate Haynes (left) and Samantha Jensen watch the stock tickers and debate what to select for their investments while participating in Junior Achievement's Finance Park program in Fairfax County, Va. Erin Schwartz/NPR hide caption

itoggle caption Erin Schwartz/NPR