For many people in their 20s, retirement is the furthest thing from their minds. If you are in college or recently graduated, you may be more concerned with how you are going to get out of debt than what you will have saved for retirement.

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But it is never too early to start planning for the future. People are living longer and thus need more money once they stop working. Preparing for retirement in your 20s, whether you’re a young millennial or an older Gen Zer, can go a long way to helping you thrive in retirement.

Whether retirement means a quiet cabin by the lake or jet setting across the globe, here is your complete guide to retirement planning in your 20s.

How To Plan For Retirement in Your 20s

In your 20s, it may seem futile to start saving for retirement. After all, you are just finding your footing in your career or may even be in school. But take it from retirees, you don’t want to wait too long to start building your nest egg. The biggest regret most retirees have is not investing sooner. Check out our tips for planning for retirement in your 20s:

• 8 Small Steps To Save for Retirement in Your 20s – Even If You Aren’t Making a Lot of Money

• 6 Easy Ways To Save for Retirement in Your 20s

• How To Start Planning For Retirement in Your 20s

• Here’s How Much You Should Have in Your Retirement Account at Every Stage of Life

• 6 Best Retirement Investing Strategies for Gen Z Workers

• How Gen Z Can Prioritize Planning and Saving for Retirement

• 6 Types of Retirement Income That Aren’t Taxable

Take Our Poll: What Are Your Financial Priorities in 2023?

Understanding Social Security in Your 20s

In reality, few people know much about Social Security until they are close to retirement. You may read headlines or hear soundbites, but you probably haven’t given it much thought. Now is your chance to get caught up. Here is what you need to know about Social Security before you hit 30:

• Social Security: 5 Things Gen Z Should Know

• From Gen Z to Boomers: A Generational Guide to Social Security

• When Social Security Runs Out: What the Program Will Look Like in 2035

• Worried About Social Security Running Out? Here’s How to Prepare Now

Getting Out Early — What You Need To Know About Early Retirement

Are you one of the millions of people who plan to retire before age 55? Then you can’t afford to wait. If you want to become part of the FIRE movement, you need to start investing and budgeting now. Haven’t heard of the FIRE movement? You need to catch up. Find out more about the Financial Independence, Retire Early (FIRE) movement below:

• 3 Ways Gen Z Can Join the FIRE Movement

• Comparing and Contrasting the FIRE Movement with ‘Lying Flat’

• 6 Reasons You Should Retire Early

• Here’s How To Retire Early and Quit the Daily Grind

• What’s the Earliest You Could Retire?

• How Much Should You Have Saved If You Want to Retire Early?

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• Is a Credit Card Balance Transfer Right for You?

This article originally appeared on GOBankingRates.com: Millennials and Gen Z: Guide To Planning Your Retirement Now