Key Takeaways Median earnings for workers ages 25 to 34 are $59,800 a year—almost 50% higher than for workers under 25. A dollar saved at age 28 will have more than 35 years to compound before retirement, giving early savings a powerful edge. Student loans, rent, and lifestyle creep can challenge young workers, but planning ahead can still help build wealth. Get personalized, AI-powered answers built on 27+ years of trusted expertise.