To be honest, it’s hard to encourage someone to save for retirement, especially for people my age. I’m 23, retirement is such a far off goal that I understand why many people my age don’t even have this anywhere near their radar. Why would I save a $100 this week for something that may or may not happen 30+ years from now? I could use the very same $100 on things I want to do right now.

For many people, saving money is hard. We’re tempted by so many things and the fear of missing out (FOMO) on experiences today is hard. I open Instagram and I see all my friends doing all these fun things, how could I not want to be part of that. So let’s try to explain the way our brain thinks.

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