If I am insane for encouraging young people to think about retirement, then I am in good company. The Wall Street Journal ran an ar
ticle this weekend on how college graduates can save even while paying off student loans. Nest eggs are not made overnight, so It’s really never too early to think about retirement. Also, keep this in mind when starting work at a job that offers a tax-deferred retirement plan, espcially if the company matches contributions. Many young workers do not participate in employer-sponsored retirement plans because they feel they don’t have enough money to contribute, or it is not worthwhile if they do not plan on being at the particular job for a long time. 401(k) plans can be rolled over if you move from one job to another so there is no reason not
to take advantage of them.