Chapter one: Thinking about retirement from the start

  • Even after landing a job, managing your money might be overwhelming and retirement may still feel far off in the future. Plus, there may be new expenses to think about—like rent payments and student loans, as well as any unexpected expenses that may arise from emergencies.

    The urge to spend now—and worry about retirement later—may be strong, but it’s important to think about the big picture. Saving now may mean a better retirement later—or may help you stop working sooner.

    Here are some tips to get started:

    First, look for ways to save as much as possible. Every dollar counts. Consider increasing your savings on a regular basis, like when you receive a raise at work or pay off a loan.

    Second, market volatility is scary—but there’s time to ride it out. When retirement is decades away, continue to stay the course and keep saving.

    So take advantage of saving as much as you can, as early as possible, to give your investments time to grow.

    Want to learn more? Talk to your employer about your plan and visit for more information.