When you’re young, retirement seems like a lifetime away. However, in reality, the financial decisions you make in your 20s have a much larger impact on your financial security laterIin life than you may think.

Time is Money

It may seem like there is no big difference between beginning your retirement saving at age 22 or age 30. However, the numbers show that those eight years fresh out of college make a huge difference later in life. It’s not just the principle savings you set aside during that time that add up—it’s the compounding returns on investment.

The Numbers

The U.S. stock market has…

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