You’re never too young to start investing for retirement; in fact, the sooner you start, the better off you’ll be. Compounding of earnings is so powerful that if you start investing in your twenties, you can amass a large nest egg with little effort by the time you are in your sixties or seventies. Getting started is easier—and less painful—than you think, especially if you have access to an employer-sponsored retirement plan. Even if you don’t, it takes just minutes to set up your own retirement account and begin working toward a secure and comfortable financial future.