<prompt> Human: I graduated college but without any debt.Assuming I have not earned a thing before 25 but start earning a salary at the age of 25, how far behind does that put me? How tough of a time will I have catching up to those that started at 22?Say the salary is in the 40-60k range and the cost of living in the area isnt too high.  <response>: What do you mean by behind ? A majority of america is far behind where you already are - many of them at twice your age. 