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tpfcu.com/blog/how-to-balance-retirement...other-savings-goals/ | For young adults, the thought of contributing to retirement savings is often not a high priority over other savings goals. Most young people would rather set aside money to buy their first home, first new car, or vacations or to pay off their student loan debt. Yet, before you can start saving money, you first need to have a savings strategy in place. Without a plan on how much to save, you will find it difficult setting aside any money for any of your goals.