My 21-year-old sister is saving 0 a month for retirement. Here’s how much she’ll have at 65

My 21-year-old sister is saving $200 a month for retirement. Here’s how much she’ll have at 65

My 21-year-old sister, Janna McPartland, has a lot on her mind.
Graduating from college. Finding a job. Dire predictions about global warming. The other day, I asked her how she was doing. “The planet is dying,” she said.
I was surprised, then, when she showed eagerness recently in starting to save for her retirement. I’d been nagging her to do that since I was hired as a personal finance writer…

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