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At this point you should be trying to pay off your loans, debt and buying your own house. 10% of your income should be put in retirement savings, a great investment goal for this time(Investment Strategies, 11). Your main priority should be paying off liabilities and adding assets. Basically building ur net worth.

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Through this time you want to slowly shift more assets to fixed income securities which will accomplish a better balance of growth and income(Investment Strategies, 11). You can also start to take the money from your retirement savings. Start to decide what you can use it for such as needs, investments and milestones.

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My mom takes about 5% of her pay to her 401k plan. She plans on taking it out when she retires at 55-60 years old. This is a penalty free withdrawal. She will have enough money to take care of herself and some to spare when she retires