The author addresses that. He suggests using this time to gain financial literacy. From the booklet: "[Doing all the reading] may take you up to a year, but

The author addresses that. He suggests using this time to gain financial literacy. From the booklet: "[Doing all the reading] may take you up to a year, but you’re in no hurry, since you are just beginning to think about your retirement and you likely have little in the way of assets; you may even be in hock up to your ears with debts from school and car loans. So there’s plenty of time, and the months you take to complete the course laid out in the booklet will be the most profitable reading you will ever do; it may not be too much of an exaggeration to suggest, in fact, that your financial life depends on it. " and "eliminate your credit card debt, followed by your car loan. What about your educational loans? Since your long-term investment return on your retirement savings will be around 5%, which is likely lower than your loan interest rate, you should make paying off those your next priority. When, and only when, you’ve gotten rid of all your debt are you truly saving for retirement. "