MarketWatch: Early-life choices, not pay, shape debt burdens and retirement comfort

MarketWatch says decisions people make in their 20s matter more than income in determining whether they spend decades in debt or retire comfortably, urging readers not to fixate solely on stock picks when building retirement wealth.

• MarketWatch says 20-something choices outweigh income for retirement outcomes.
• The outlet contrasts decades in debt with retiring comfortably.
• MarketWatch urges not to focus only on stock picks for wealth building.
• Income alone isn’t portrayed as the decisive factor in long-term security.