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Youth doesn't have to be wasted on the young

It's comforting to believe that wisdom comes with age, perhaps because so much else goes away. But if you're still young and in a hurry to gain financial wisdom, the folks at Credit.com have posted a list of "50 Things Millennials Can Do Now So They Can Retire at 65."

Of course, "50 things" may sound more like a second job than light reading, but building a secure retirement does require a little work and attention. Happily, most of the items on the list are neither new nor complicated, and they reinforce a few core concepts, including:

• Spend less than you earn (the key to almost all the rest).
• Save and invest early and often (ideally, systematically).
• Take advantage of opportunities to save on a tax-advantaged basis.
• Set goals and keep an eye on your progress toward them.
• Consider the potential value of experienced, professional assistance.

A 2016 "Retirement Income Strategies and Expectations" survey by Franklin Templeton Investments found 70 percent of millennials "stressed and anxious" about retirement savings that may belie the image of a laid-back, technologically savvy ,socially hip generation, but if you're feeling that stress, you can check out those 50 things at http://blog.Credit.com.