Early in your career, you have a lot of financial goals competing for your attention. You might be saving up for a home or a car, paying off student debt, and planning to expand your family. Retirement might be on your goals list as well, but when you've got 30 to 40 years left in the workforce, it often winds up on the back burner.

But putting it off could make the task of saving for retirement much more difficult for you. Below, we'll look at why the first 10 years of your career are actually the most critical retirement savings years and what you can do if you're strapped for cash.

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Source Fool.com