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In your early years of adulthood, when money is short and you may still be paying off student loans, savings and retirement most likely won't be a priority.
The early years of your life are generally non-income producing. But once education is completed, the financial life cycle can begin in earnest.
These early years of independent living are crucial in your future planning.
Saving habits will stay with you, and may dictate whether you spend a lifetime of saving, or simply repaying debts.