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REDDIT

Thoughts on Investing early right out of college or just entering the workforce?

G
Jan 8, 2026 · 22:17

The strategy involves allocating 10% or more of pre-tax income into a 401K or IRA for a duration of 10 years following college graduation or entering the work force. It is advisable to allow the retirement account to compound until retirement, which could span 45 years. However, beginning a family may significantly impact the savings rate. Do the majority of college graduates tend to prioritize their desires over their necessities due to a newfound sense of freedom? Have they overlooked the optimal period for saving, which is immediately after college and prior to starting a family? Easier said than done.