Young & Scrappy -- And Saving for Retirement

Last spring, I packed my bags and headed to Denver for my first reporting job after college. We had everything you might expect at a scrappy media start-up with four reporters, including craft beer in the mini fridge. But like a lot of cash-strapped start-ups, the company couldn't offer much in the way of employee benefits.

I didn't care about any of that when I took the job. If I could pay