The typical American spends 40 to 50 years of their life working. It sounds like plenty of time to build a nest egg, but low salaries, high inflation, and burdensome student loans create quite the challenge for some.

These factors influence not only how much people can save for retirement, but also when they can start saving. Here's a closer look at when the average worker today began saving for retirement, and how this affects their odds of achieving a comfortable retirement.

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Source Fool.com