Suppose that immediately after graduation you invested $3,000 each year for 15 years and nothing thereafter- You earn 10% on this money- Which of the following is closest to the amount of money you would you have on deposit when you retired in 40 years (25 years after the deposits stopped)?

Some major life events with important financial implications are (but not limited to):

Starting work.
Changing jobs. 
Changing address. 
Marriage and civil partnership.
Getting separated or divorced.
Arrival of children. 
Onset of serious illness or disability.
Death of a pension scheme member.