About this episode

Regina Hess discusses the importance of starting to save and invest early for young adults.

Starting early may not feel urgent when you're juggling rent, student loans, a first job, and all the costs that come with adult life. But small financial habits built early can create serious momentum over time. In this episode of Women and Wealth, Regina talks through why young adults should begin saving and investing as soon as they can, even if the amount feels small at first. She explains how compounding works, why automation makes saving easier, how to think about raises and bonuses, and why employer benefits like retirement plans, Roth contributions, HSAs, and stock purchase programs can play a major role in building long-term wealth. Regina also reminds listeners that financial confidence does not happen overnight. It comes from learning, starting small, making progress, and giving "future you" a stronger foundation. Episode Highlights: 0:00 - Introduction 2:03 - The power of time, consistency, and small steps 3:22 - How compounding helps your money grow 5:04 - Starting at 25 vs. starting at 35 6:22 - Making saving automatic 9:15 - Using raises and bonuses wisely 11:06 - Taking advantage of employer retirement benefits 13:58 - Traditional vs. Roth retirement contributions…

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