Getting Started

Life Stage 20-35
You’ve got a lot going on in your life. Planning for retirement may seem like too much to think about. To make things easier, we’ve listed some common obstacles faced by many people in your age group. We’ve also outlined some basic actions you can take to start — or stay — on the road to saving.
Photo of a man on a train
Developing a timetable for retirement is a good idea at any stage of your life and career. Here are key steps to move toward a more secure financial future.
Two grads playing video games
Explore your options for meeting two important financial goals – paying down your debt and saving for retirement.
Savings jars
In most cases, saving for retirement should be part of your game plan. Use our calculator to crunch the numbers.
First step
Even if you start by contributing just 1 percent of your paycheck, you'll start moving close toward your retirement goal.
Pay stub
Estimate the advantage of saving for retirement before federal taxes are taken from your paycheck.
Two working men
Have you thought about life after work? We all have dreams, but some people don't plan beyond the here and now. Fortunately, your retirement plan can help.
Young couple
The sooner you start, the easier it will be to save for retirement. There's no substitute for time.
Couple planning
Your plan's tax advantages give your money potential to grow faster than taxed accounts.
Investing Basics
Your greatest allies in successful investing are time, discipline and knowledge. Explore some of the basics of investing and get some knowledge that can make a difference.