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The very best thing you can do when you're young -- once you've paid off all your interest-carrying debts -- is to set aside some money in an IRA or Roth IRA. (And prepare to just let it sit until you retire.)

It will double in value about once every 10 years. So if you're 25, then by the time you're 75 $2,000 becomes $64,000.

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401k max until match, then IRA, then max 401k, (then optionally HSA or FSA if you have them) then taxable investments. You also don't want to pay off low interest debt if the interest is lower than the investment average.

*Only applies if you're American and doing this in Europe is WAY harder.

In Europe you just try to get enough experience to emigrate, start a business and emigrate or not join a startup and instead try to work as little as possible in a bigger company. Sorry for the nasty comment, it's not as distopian but it's like feeling left out a litte.

If you're smarter than average. If not, most countries in Europe are a better off deal. Can speak from experience :-)

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