4 saving and investing tips every 20-something should know

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Entry-level jobs and mountains of student loan debt can make saving and investing a hassle for many young adults. But it’s still smart to start early in life — even in a small way — to foster the habits of saving and investing wisely.

Saving is simple, says Kent Grealish, an hourly rate investment planner with Grealish Investment Counseling in San Bruno, California.

Of course, simple doesn’t mean easy.

“It’s not rocket science, but it is really difficult — once you’re working and have been spending your paycheck — to save, because you spend whatever comes in,” Grealish says.