Welcome to "The Starting Line: Why and how retirement saving should begin now," part of the Financial Essentials series from TIAA-CREF. In this webinar, we'll help you get ahead of your retirement saving with some tools and advice you can use right now. You'll learn the real effect of time on money thanks to compounding and dollar-cost averaging, discover the differences between good and bad debt, learn the benefits of starting to contribute to your employer-sponsored retirement plan now and see how budgeting can find money -- and help you save it.

Thanks for taking the time to view this webinar, and taking a step toward planning for your financial future.

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TIAA-CREF Individual & Institutional Services, LLC and Teachers Personal Investors Services, Inc.,
members FINRA, distribute securities products.

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