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margin: 0; border: 0;"> <script type="text/javascript">cnnad_createAd("76f1cd1e899765aa","https://web.archive.org/web/20130425025551/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_brand=money&cnn_money_position=728x90_top&cnn_money_rollup=personal_finance&cnn_money_section=build_wealth&params.styles=fs&page.allowcompete=no","","");</script> </div> </div> <div class="cnnCol_main"> <div id="101-ways-build-wealth_04152013" class="gal_slide"> <div class="hed_side"> <a href="/web/20130425025551/http://money.cnn.com/magazines/moneymag/"> <div class="source moneymag"></div> </a> <div class="cmmtcount"> <a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-young-adults.moneymag/index.html" class="money-social money-get-comments"></a> <a href="#comments">comments</a> </div> </div> <div class="hedbyline"> <div class="breadcrumb"> <a href="/web/20130425025551/http://money.cnn.com/magazines/moneymag/101-ways-build-wealth/">101 WAYS TO BUILD WEALTH</a> </div> <h1><a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-young-adults.moneymag/index.html">Building wealth: Best moves if you're 25 to 34</a></h1> <h2>Money magazine's<i> 101 Ways to Build Wealth</i> package offers blueprints for the different stages of your life on how to achieve real financial security. In tips #1 through #27, we offer advice for 25- to 34-year-olds.</h2> </div> <div class="clearFloat"></div> <div class="header"> <div class="slidehed"> Start saving for retirement now</div> <div class="pagination"> <div class="label">1 of 10</div> <a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-young-adults.moneymag/jump.html" class="btn_back"></a> <a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-young-adults.moneymag/2.html" class="btn_next"></a> </div> <div class="clearFloat"></div> </div> <div class="body"> <div style="width:620px;" class="slideimg "> <img src="https://web.archive.org/web/20130425025551im_/http://i2.cdn.turner.com/money/dam/assets/130410144913-target-mix-age-30-620xb.png" width="620" height="380" alt="target mix age 30" border="0"/> </div>   <p>Just starting out? Now's the time to create a solid plan for investing and saving. </p> <p><strong>WHAT YOU NEED TO KNOW:</strong><span/> <br/><strong>Savings goal at age 30:</strong> 0.6 x your income<span/> <br/><strong>Biggest cash drain: </strong>Student loans and other debt<span/> <br/><strong>Biggest challenge: </strong>Overcoming fear of investing<span/> <br/><strong>Biggest opportunity: </strong>Lots of time for your money to compound</p> <p><strong>TIPS:</strong><span/> <br/><strong>1. Be courageous.</strong> Nearly 40% of Gen Y-ers say they'll never feel okay investing in stocks, MFS Investment Management reports. Take note: Since 1926, a portfolio mostly in stocks has never lost money in any 20-year period while averaging gains of more than 10.8% a year, vs. 4% for bonds. </p> <p>Get an age-appropriate mix with the target-date fund in your 401(k) or <a href="https://web.archive.org/web/20130425025551/http://money.cnn.com/magazines/moneymag/bestfunds/">MONEY 70 </a>picks <span>Vanguard Target Retirement 2050</span> <span>(<span class="inlink_chart"><a href="https://web.archive.org/web/20130425025551/http://money.cnn.com/quote/mutualfund/mutualfund.html?symb=VFIFX&source=story_quote_link" class="inlink">VFIFX</a></span>)</span> or <span>T. Rowe Price Retirement 2050 </span> <span>(<span class="inlink_chart"><a href="https://web.archive.org/web/20130425025551/http://money.cnn.com/quote/mutualfund/mutualfund.html?symb=TRRMX&source=story_quote_link" class="inlink">TRRMX</a></span>)</span>.</p> <p><strong>2. Go for a Roth 401(k). </strong>The Roth advantage: You save with after-tax dollars, so, unlike a regular 401(k), you won't pay income taxes on withdrawals. That's a good deal if you'll be in a higher tax bracket at retirement, as is the case for many young investors. </p> <p>Four in 10 large plans now offer a Roth option, Aon Hewitt says. To hedge your bet on future tax rates, split your contributions between a Roth and a pretax 401(k).</p> <p><strong>3</strong><strong>. Don't cash out.</strong> More than half of workers in their twenties who leave a job do not roll their 401(k) into an IRA or their new employer's plan, says Aon Hewitt. Bad move: On a $10,000 balance, you could be left with just $7,000 after taxes and penalties. If, instead, you keep that money growing at, say, 6% a year, you'll have an extra $100,000 or so by the time you retire.</p> <p><a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-young-adults.moneymag/2.html" class="next">NEXT: Favor cash-rich stocks</a><br></p> </div> <div class="clearFloat"></div> <div class="cnnDateStamp"> <span class="byline"> By Carla Fried, Paul J. Lim, Ismat Sarah Mangla, Donna Rosato and Penelope Wang </span> <a href="https://web.archive.org/web/20130425025551/https://twitter.com/intent/user?screen_name=money" class="soc-twtname">@Money</a> - Last updated April 16 2013 11:23 AM ET</div> <div class="clearFloat"></div> </div> <div id="quigo628"><div id="ad-356491" align="center" style="padding: 0; margin: 0; border: 0;"><script type="text/javascript"> cnnad_createAd("356491","https://web.archive.org/web/20130425025551/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_position=628x215_bot&cnn_money_rollup=personal_finance&cnn_money_section=quigo&cnn_money_subsection=galleries&page.allowcompete=no&params.styles=fs&page.allowcompete=yes","215","628"); </script></div></div> <div id="taboola-autosized-generated-2r-new"></div> <div id="OB_div"></div> <a name="comments"></a> <div class="mod-disqus"> <div class="boxHeading">Join the Conversation</div> <div id="ad-844980" align="center" style="padding: 0; margin: 0; border: 0;"><script type="text/javascript"> cnnad_createAd("844980","https://web.archive.org/web/20130425025551/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_position=620x60_mid&cnn_money_rollup=personal_finance&cnn_money_section=social_media&cnn_money_subsection=commenting&page.allowcompete=no&params.styles=fs&page.allowcompete=yes","60","620"); </script></div> <div id="disqus_thread"></div> </div> </div> <div class="cnnCol_side"> <div class="mod-spFeatstories"> <div class="boxHeading"><a href="https://web.archive.org/web/20130425025551/http://money.cnn.com/magazines/moneymag/101-ways-build-wealth/">101 Ways to Build Wealth</a></div> <div class="summaryBlock"> <a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-35-to-44.moneymag/index.html" class="summaryImg"> <img src="https://web.archive.org/web/20130425025551im_/http://i2.cdn.turner.com/money/dam/assets/130410143121-wealth-35-to-44-120x90.jpg" width="120" height="90" alt="Best moves if you're 35 to 44" border="0"/> </a> <div class="cnnHeadline"> <a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-35-to-44.moneymag/index.html"> Best moves if you're 35 to 44 </a> </div> <p class="cnnBlurbTxt"> Now that you're hitting your stride in life, it's time to start building up your assets and your income. Here's how. <br/> </p> </div> <div class="galleryHeadline "> <div class="cnnHeadline"> <a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-45-to-54.moneymag/index.html"> Best moves if you're 45 to 54 </a> </a> </div> </div> <div class="galleryHeadline lastItem"> <div class="cnnHeadline"> <a href="/web/20130425025551/http://money.cnn.com/gallery/pf/2013/04/15/building-wealth-54-to-65.moneymag/index.html"> Best moves if you're 55 to 64 </a> </a> </div> </div> </div> <div id="adsquare"> <div id="ad-315c018983fde82a" align="center" style="padding: 0; margin: 0; border: 0;"> <script type="text/javascript">cnnad_createAd("315c018983fde82a","https://web.archive.org/web/20130425025551/http://ads.cnn.com/html.ng/site=cnn_money&cnn_money_brand=money&cnn_money_position=336x280_rgt&cnn_money_rollup=personal_finance&cnn_money_section=build_wealth&params.styles=fs&page.allowcompete=no","","");</script> </div> </div> <script language="javascript"> function 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value="350000">$350,000</option> <option value="400000">$400,000</option> <option value="450000">$450,000</option> <option value="500000">$500,000</option> <option value="550000">$550,000</option> <option value="600000">$600,000</option> <option value="650000">$650,000</option> <option value="700000">$700,000</option> <option value="750000">$750,000</option> <option value="800000">$800,000</option> <option value="850000">$850,000</option> <option value="900000">$900,000</option> <option value="950000">$950,000</option> <option value="1000000">$1M</option> <option value="1100000">$1.1M</option> <option value="1200000">$1.2M</option> <option value="1250000">$1.25M</option> <option value="1400000">$1.4M</option> <option value="1500000">$1.5M</option> <option value="1600000">$1.6M</option> <option value="1700000">$1.7M</option> <option value="1750000">$1.75M</option> <option value="1800000">$1.8M</option> <option value="1900000">$1.9M</option> <option value="2000000">$2M</option> <option value="2250000">$2.25M</option> <option value="2500000">$2.5M</option> <option value="2750000">$2.75M</option> <option value="3000000">$3M</option> <option value="3500000">$3.5M</option> <option value="4000000">$4M</option> <option value="5000000">$5M</option> <option value="10000000">$10M</option> <option value="20000000">$20M</option> </select> <label for="max_price">to</label> <select name="max_price" id="max_price"> <option value="10000">$10,000</option> <option value="20000">$20,000</option> <option value="30000">$30,000</option> <option value="50000">$50,000</option> <option value="100000">$100,000</option> <option value="130000">$130,000</option> <option value="150000">$150,000</option> <option value="200000">$200,000</option> <option value="250000">$250,000</option> <option value="300000">$300,000</option> <option value="350000">$350,000</option> <option value="400000">$400,000</option> <option value="450000">$450,000</option> <option value="500000">$500,000</option> <option value="550000">$550,000</option> <option value="600000">$600,000</option> <option value="650000">$650,000</option> <option value="700000">$700,000</option> <option value="750000">$750,000</option> <option value="800000">$800,000</option> <option value="850000">$850,000</option> <option value="900000">$900,000</option> <option value="950000">$950,000</option> <option value="1000000">$1M</option> <option value="1100000">$1.1M</option> <option value="1200000">$1.2M</option> <option value="1250000">$1.25M</option> <option value="1400000">$1.4M</option> <option value="1500000">$1.5M</option> <option value="1600000">$1.6M</option> <option value="1700000">$1.7M</option> <option value="1750000">$1.75M</option> <option value="1800000">$1.8M</option> <option value="1900000">$1.9M</option> <option value="2000000">$2M</option> <option value="2250000">$2.25M</option> <option value="2500000">$2.5M</option> <option value="2750000">$2.75M</option> <option value="3000000">$3M</option> <option value="3500000">$3.5M</option> <option value="4000000">$4M</option> <option value="5000000">$5M</option> <option value="10000000">$10M</option> <option value="20000000">$20M</option> <option selected="selected" value="">Max</option> </select> </div> </li> </ul> <div class="clearFloat"></div> </li> <li> Property Type <div class="truliaWidgetsubbody"> <select name="type" id="type"> <option value="" selected="selected">Any type</option> <option value="single-family">Single-Family Home</option> <option value="condo">Condo</option> <option value="townhouse">Townhome</option> <option value="coop">Coop</option> <option value="apartment">Apartment</option> <option value="loft">Loft</option> <option value="tic">TIC</option> <option value="apartment,condo,townhouse">Apt/Condo/Twnhm</option> <option value="mobile">Mobile/Manufactured</option> <option value="farm">Farm/Ranch</option> <option value="lot">Lot/Land</option> <option value="multifamily">Multi-Family Home</option> <option value="investment">Income/Investment</option> <option value="houseboat">Houseboat</option> <option value="unspecified">Unspecified</option> </select> <input name="button" type="image" id="searchButton" src="https://web.archive.org/web/20130425025551im_/http://i2.cdn.turner.com/money/.element/img/2.0/buttons/button_search.gif" onmouseover="this.src='https://web.archive.org/web/20130425025551/http://i2.cdn.turner.com/money/.element/img/2.0/buttons/button_search_blue.gif'" onmouseout="this.src='https://web.archive.org/web/20130425025551/http://i2.cdn.turner.com/money/.element/img/2.0/buttons/button_search.gif'"/> </div> </li> <li class="lastItem"> Find a home in: <br/> <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/NY/New_York/" target="_blank">New York</a> | <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/GA/Atlanta/" target="_blank">Atlanta</a> | <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/IL/Chicago/" target="_blank">Chicago</a> | <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/CA/Los_Angeles/" target="_blank">Los Angeles</a> <br/> <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/DC/Washington/" target="_blank">Washington D.C</a> | <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/TX/Houston/" target="_blank">Houston</a> | <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/PA/Philadelphia/" target="_blank">Philadelphia</a> | <a href="https://web.archive.org/web/20130425025551/http://realestate.money.cnn.com/" target="_blank">More options</a></li> </ul> </form> </div> <div class="mod-mostpop"> <div class="boxHeading">Most Popular</div> <table cellpadding="0" cellspacing="0" border="0"> <tr> <td class="cnnHeadline"><a 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