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What’s easier? Starting to invest 10% of your paycheck when you first get a “real job” or having to find 20% when you turn 30 after you are already in the habit of spending that money on other life expenses like student loans, vacations, or other bills? While you might not be able to save 10% right away, save as much as possible and make a plan to hit the 10% number as soon as possible. read more