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The article discusses a variety of issues relevant to college graduates about managing their paycheck, repaying student loans and other financial management issues. The author notes that parents play a role in guiding their children in looking for a job and managing their financial bearings. He cites that by keeping student-loan payments manageable, young adults can free up cash to pay off more-expensive debt. The article explains the significance of investing and retirement planning. INSET: Tax Breaks for 20-Somethings.

Calls for employees to evaluate their health care choices and raise their retirement contributions during the open season for employee benefits. Increases in health insurance premiums faced by U.S. employees in 2005; Benefits from the consumer-driven plans offered by some companies; Ways to control personal finances.