Saving Early
The most important steps to a happy retirement are saving and investing your money. Whether you're saving or investing, you will get more money back than when you first started. Sometimes your employer will even 'match' some of the money you save through a special account called a '401K.' (This is a retirement plan -- you don't take out the money until you retire.)

For information on opening a savings account so you can put away money for your golden years, click here

To find out how you can invest your money in a retirement plan, click here

Budgeting your money
Everyday life can be so expensive that it can seem like a waste to save money on something as far away as retirement. But it's not; you'll need that money later and be glad you have it. Bad planning makes it even harder to save. You can make a budget, though, and set aside money for things you know you'll need to pay for. That way you can keep track of what you need to save for retirement

To learn how to budget your money for now and later, click here