Tyler, TX — Is it too late to invest? That's what some 30-something's are thinking.

"Saving for retirement, you are essentially creating your own pension," Chris Hazelip, Financial Advisor, at Edward Jones.

A 2012 survey by Pew Research Center survey finds 38 % of U.S. adults say they are worried and not too confident that they will have a big enough nest egg.

That number is up from 25% than 2009.

49% percent of those ages 35- 44.

Chris Hazelip, Financial Advisor, at Edward Jones suggests...start saving your money.

So what is the best way to invest?

"Most efficient way is to own investments to make your money work for you is through mutual funds.' "Mutual funds is not an investment in itself, it's a way to invest," says Chris Hazelip, Financial Advisor.

Hazelip says, it's not too late to start investing and saving and suggests you start now.