In this segment from Motley Fool Answers, Alison Southwick and Robert Brokamp break down a proper investing and retirement strategy by decade. First, the duo talks about people in their 20s. Early adulthood is often challenging on the financial front, which is why many young people get stuck focusing on short-term issues . . . like this month’s bills. But Bro says you should actually be focused on three things: long-term investing for your retirement, paying down debt, and getting your credit score buffed up.