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Even if you're fresh out of school (college, or even high school) and are just starting your career, it's not too early to begin thinking about how you want to spend your retirement years. Being young and a long way from retirement--in other words, having lots of "time")--is one of your most valuable assets. Don't waste it! Start now, in your youth, developing and implementing your retirement plan. Set your goals and begin working toward them--you can only regret it if you wait.