30 - The Ultimate Guide to Retirement Saving
The Ultimate Guide to Retirement Saving in Your 20s: 401(k) vs. Roth IRA Retirement. If you're in your 20s, the word probably feels like a joke. You're juggling rent, a car payment, student loans that just won't die, and maybe, just maybe, trying to have a social life. You’re thinking about Friday night, not what you’ll be doing in 2065. But here’s the single most important financial truth you will ever hear: Time is a superpower. https://ferricofinance.blogspot.com/2025/10/30-ultimate-guide-to-retirement-saving.html The small amounts you save right now are worth exponentially more than the larger amounts you plan to "catch up" with later. This guide isn't about boring charts; it's a simple roadmap to turn today's small habits into a future that will make your older self want to give you a high-five. Why Bother? The Dangerous Myth of "Catching Up Later" It's tempting to think you'll just save more when you earn more. Don't ...