Do you remember being 10 years old, seeing adults walk by, and thinking, “Man, they look so put together. They must have everything figured out.” BUZZER SOUND. WRONG. Now you’re the adult, and let’s be honest: Everything is not figured out. In fact, as a 20-something, your adult life is just beginning. At 10 years old, you must have thought turning 20 was light-years away. Well, here we are. The same thing goes for imagining yourself as a 60-year-old. It feels like forever away, but eventually, it will happen—no matter how much kale you eat, how much yoga you practice, or how many night creams you apply before going to bed. There’s no way to avoid aging, but you can dodge financial troubles in the future if you start planning for retirement now. Like, right now. Not tomorrow. Now.