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Agreed that it can be difficult to save right out of college. Due to my relatively low entry-level salary, as well as college loans and living expenses, I didn't start really saving/investing until I'd been out for ~4 years.

The problem is, though, starting saving/investing even just a couple years sooner can turn into much higher returns down the road, so it's a good idea to start that trend as early as possible. If you can find investments with a higher yield than your loan interest rate, it can make sense to pay the minimum on your loans and carry the debt for a while.

Nowadays I do save more than 50% of my income, but I also have no dependents or debt.



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