The early adult years are mainly characterized by pre-retirement planning.

Name: The early adult years are mainly characterized by pre-retirement planning.
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The early adult years generally refer to the period between the ages of 18-25, during which individuals are typically focused on completing their education, establishing their careers, and building relationships. Pre-retirement planning usually occurs later in life, typically in the 40s, 50s, and beyond.

The Early Adult Years Are Mainly Characterized by Pre-Retirement Planning