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401k money jar on desk of Caucasian businesswoman
401k money jar on desk of Caucasian businesswoman
JGI/Jamie Grill—Getty Images/Blend Images

For young adults just entering the workforce, it's important to start thinking about saving for retirement early. Maria Bruno, a senior analyst at Vanguard, suggests that even if what you are setting aside is a small amount, it matters in the long run because of compound returns. Starting early and making sure that you have a diversified account that works for you and your lifestyle is the best way to ensure that you have a comfortable retirement.

It can be hard to save money for the future when more pressing money matters arise, like the need to pay down college debt or the costs associated with having a child. But if you start now, and start small, you can ease up on what you save later for retirement.