Let's face it, saving for retirement is hard.  You just graduated from college, landed that first job, and now have a mountain of debt staring you in the face.  But given all that adversity, the first day on the first job is the best time to start saving for retirement.…

My parents were great savers.  They were both frugal and only purchased what we needed.  We kept cars forever, didn't go on vacations, and never bought name-brand clothes.  In the summertime though, my sister and I would get a treat.  Mom would let us pick out 1 box of sugared…