By Craig Erwin, Ph.D. A 29 year old has $23000 and wonders if she is doing okay. That depends on whether she is saving and investing regularly. If not, it does not matter how much she has (unless she has millions). My sons started as teens and I started college funds when they were babies. … Continue reading DON’T DELAY SAVING FOR RETIREMENT: IF YOU START IN YOUR 20s, YOU WILL BE WAY AHEAD OF MOST PEOPLE