When Jake landed his first job out of college at 22, retirement was the last thing on his mind. After all, why worry about something 40 years away?

See how different investors reach mixed outcomes based on their choices. Each of your decisions compounds over time, and small decisions can lead to massive differences in retirement wealth.

When Emma and Josh graduated from college, they both landed jobs with similar salaries—about $60,000 a year. But there was one major difference: Emma’s company offered a 5% 401(k) match, while Josh’s company didn’t.

Meet Sarah and Mike. Both started investing in their 401(k)s at age 25, contributing $500 per month. They both planned to retire at 65 and expected an 8% average annual return before fees. But there was one major difference: the funds they chose.

When Alex and Jordan started their first jobs at 25, they both wanted to invest wisely for retirement. But they took very different paths with their 401(k) choices.