1. Start Investing Early, or Start Now

What a confusing mess.

Whether you are 25 or 45, you are probably getting this message from political feuds over Social Security, from chatter at work, or from conversations with friends or relatives: You need to figure out how to save more and invest right for retirement so you don't end up living a dreary life in a broken-down hovel when you are 70.

Yet, responding is daunting.

You probably have a job that takes too much of your time, family and friends vying for your attention, a need to have a little fun and more sleep, loans to pay, and a paycheck that is already stretched to the limit.

In short, you are like most Americans: stressed out about time and money.

So maybe you look for a quick fix: Perhaps ...

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