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20s & 30s Best Practices: Starting Early

Save as much as possible for retirement, especially early on when you can take advantage of the tremendous power of compounding over time. Focus on paying yourself first through your company sponsored retirement plan or an individual retirement account. Careful work on your budget should include a plan to fund your company sponsored retirement plan. Take advantage of all employer contributions, raise your contribution annually, and invest appropriately according to your risk tolerance and time until retirement.

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