As a young adult, you already know your financial choices are important. Millennials (born between 1981 and 1997) face a tight job market, big student loans, and more. To minimize stress and achieve your personal goals, responsible decision-making is critical.

Investing for your retirement is an important part of your overall financial plan — and we’ve got valuable tips to consider as you put your plan together. Here are a few key things to think about, whatever your current stage of life…