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"You want to avoid lifestyle creep, so even if you are not allowed to start deferring a percentage of your salary right away to your 401(k), you want to start saving somewhere," says Rianka Dorsainvil, a certified financial planner and president of the financial planning firm Your Greatest Contribution.

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Some plans allow you to keep your 401(k) plan even after you leave, but don’t consider this a long-term solution. The risk is you “set it and forget it,” says Rianka Dorsainvil, a certified financial planner in Lanham, Md.

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Rianka Dorsainvil of Your Greatest Contribution encourages millennial investors to question financial advisors as to whether they're acting as fiduciaries.

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Millennials shouldn't let a modest salary deter them from saving for retirement, as deferrals as low as 5 percent may be able to get them closer to $1 million saved by age 65.

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