Preparing for retirement early is so helpful for financial wellness.

Here, learn about 401(k) versus Roth IRA accounts, two strategies for saving.

My mind raced with possibilities for the meeting: Was I getting let go?

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Did I do something wrong?

As Id soon learn, the reason for my meeting with Barbara from HR was nothing negative at all.

Rather, it was time to go over my options for benefits, including allocations for retirement.

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Thats becausecompound interestallows your money to grow, and time allows it grow more.

You also may not have access to certain options in the future.

401(k) versus Roth IRA: Whats the difference?

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What is The Missionary Sex Position?

A SEP-IRA is a simplified employee pension individual retirement account.

Like an IRA, you are in charge of the company that is investing on your behalf.

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Below, find three key considerations.

Taxes:Do you want to pay taxes on your retirement savings now or later?

Ultimately, your life will change over the years, and so will the opportunities to invest.

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Whats most important to do regarding saving for your retirement, though, is simply to start.

Athena Valentine Lent is the founder ofMoney Smart Latina, where Latinas and finance meet.

She is also the recipient of the 11th Annual Plutus Award for Best Personal Finance Content for Underserved Communities.

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