You need to start planning for retirement as soon as possible. You should do the following: Invest in your 401(k) and Roth IRA account so you are making the maximum contribution and get employer match if available; Delay Social Security benefits, if possible, until 70+ years old (depending on work history); Save more than 12% of your income (if you can afford it); Be sure to have a diversified portfolio to help reduce risk.
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