Student loans: as a recent graduate, no two words fill me with more dread. And I’m not alone: half of all American college graduates carry student debt. Unsurprisingly, a Bankrate survey shows that people of all ages delay life events such as buying a house or getting married because of their student loans. It’s no wonder that retirement planning falls to the bottom of the list.

But it doesn’t have to be that way. Experts advise continuing to pay off loans while also saving for other goals. Communicating to all employees the importance of starting to save early for retirement is important, but even more so to Millennials who have the value of time on their side. How do you educate your employees about balancing conflicting financial priorities?

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Hea-Ream Lee