If you haven't begun saving for retirement or you are discouraged, thinking that you haven't saved nearly enough and need to catch up, don't panic. (protective.com)
It can allow youth to begin saving money for the future, continue a job search or to get out of debt, but only when expectations are clear and roles are known. (rismedia.com)
But remember, the best rule of thumb is to begin saving early for retirement. (protective.com)