When you’re under 40, retirement can feel like someone else’s problem.

There’s a career to build, travel to plan, maybe a mortgage to tackle. Thinking 20 or 30 years ahead isn’t always exciting. But I genuinely believe your 20s and 30s are the most powerful financial decades of your life.

Not because you earn the most. But because you have time on your side.

Here are three financial moves I think can set you up for life if you make them early and stick with them.

1. Invest in ASX shares consistently, not occasionally

If I could give one piece of advice to someone under 40, it would be this: start investing in quality ASX shares or exchange-traded funds (ETFs) as soon as possible…