People under the age of 35 should worry more about playing and having fun and taking risks with their money than about saving and investing for their retirement. If you've got a job (I know it's hard right now), under 35 and surviving chances are your living out 85% of the American dream. So to this I say, enjoy it! If by some chance you have a surplus of cash invest for a learning experience and to have some fun. You might even think about an IRA.
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