<prompt> Human: Ill be 32 before I graduate college and can get a real job, and have much money to put by. Aside from the usual advice like pay off student debt, build an emergency fund, invest in Vanguard, etc...anything in particular I should be doing differently than someone starting out?Other than pack as much spare money away as possible, Im assuming not. However, considering the decade of compound interest Ive missed out on, I had to ask; Im very aware of being behind the 8-ball when it comes to retirement savings and such.  <response>: At 32, you are 30 years from the typical retirement age. By no means are you in a difficult place.In brief, you should work to maximize your income while minimizing your expenses. It really is that simple. Work hard, seek out fruitful opportunities, take calculated risks. And control lifestyle inflation. Some start working at 22 and retire at 32 or 42 or 52. Heck, I started working at 25 and am on track to retire at 54. Point is, you can work hard. You can retire at 62. If you work hard and save, you can retire earlier. Maximize income, minimize expenses. Keep a budget. Know where your income goes and make educated choices related to that. It is that simple. 