young employees working on project According to E-Trade's most recent edition of StreetWise, 6 out of 10 young investors cite student loan debt as the first or second largest obstacle to saving for retirement. (Photo: Shutterstock)

Most companies offer a retirement savings plan, which is great, but just like a gym membership, simply having access to a plan is not enough – younger employees have to take full advantage of it.  When employees are in their 20s, retirement is likely not front of mind. But this is, in fact, the BEST time for them to not only think about retirement, but to begin building up savings for retirement.

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