saving in your 20s

Ask the Experts: How to Win at the Retirement Game

if(typeof AOLVP_cfg==='undefined')AOLVP_cfg=[];AOLVP_cfg.push({id:'AOLVP_us_1163848199001','codever':0.1,'autoload':false,'autoplay':false,'playerid':'61371447001','videoid':'1163848199001','stillurl':'http://www.blogcdn.com/www.dailyfinance.com/media/2011/09/winatretirement.jpg','publisherid':1612833736,'width':284,'height':160,'playbutton':false,'bgcolor':''});The most powerful tool young investors have is time, because savings can grow exponentially over decades. A 23-year-old Californian asks how to get started and make the most of those years when her employer doesn't offer a retirement plan. DailyFinance's Laura Rowley shows her how to play the game.