Recent college graduates, hopefully you’ve obtained your first job that offers a 401(k), and have a little cash set aside for emergencies. But you also likely are facing starting to pay back some student debt. So, should you focus on saving for retirement or paying off student loans faster?

This is the most common question that millennials ask me. Even some experts seem to disagree on the answer, potentially due to conflicts of interest.

Online search results on this subject typically bring up loan consolidators who demo…
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