Young people today are coming of age in a difficult environment. Those in their 20s graduated from college and joined a working world that was still struggling to recover from one of the worst financial breakdowns of all time. And it can be hard for many just to find solid work in the field of their choice.

But now is also the time to start planning for the future. Holly Perez, consumer money expert at Mint.com shared five things that millenials need to do now to start preparing for retirement. And it starts with chipping away at debt. If you have student loans, the time to start paying them down is now. For her full list of tips, read the full article here.

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