[This posting has been slightly revised from a previous version to address any potential issues about copyrighted material.]

Reaching retirement age may seem a long way off if you’ve just started your working career, but the sooner in life that you begin thinking about it and preparing for it, the better off you’ll be later. Here is my best advice to my three children and their Millennial-generation peers distilled from more than 30 years of my own research and experience. (This is based on a primer I first circulated in 2015.)

Start saving as soon as you begin your working…

Daniel Griswold

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