The median annual income for full-time workers aged 25 to 34 was $59,000, leading to after-tax earnings of about $45,000, with a recommended retirement saving of $9,000 annually. Investing $375 monthly in the Vanguard S&P 500 ETF could yield a portfolio worth approximately $592,100 after 30 years, with potential reinvestment into the Vanguard High Dividend Yield ETF, generating around $17,900 in annual dividends. Investors should prioritize funds that balance high dividend yields with value stocks to ensure long-term security.