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Retirement may seem distant for many millennials, but planning early can lead to significant advantages in the long run. This generation, born between 1981 and 1996, faces unique financial challenges, including rising student debt, housing costs, and an uncertain economic landscape. Despite these hurdles, the earlier millennials start saving for retirement, the better prepared they'll be to enjoy a comfortable and secure future. In this article, we'll break down the best retirement plans for millennials, focusing on the options that can provide flexibility and long-term growth.