Most Americans could improve their savings and investing, and they often require 30 or more years in the workforce to reach their retirement and savings goals.
Your highest earning years aren't until 45, making it challenging to put aside enough to reach your 401(k) target in your 30s.
If you want a home, mortgage payments will slow your progress, impacting your ability to contribute adequately to retirement savings.
Life could get in the way due to an unexpected expense, temporarily pausing your savings efforts and derailing plans for achieving financial goals.
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