A survey by mutual-fund company T. Rowe Price found that 27 percent of millennials (ages 18 to 33) ranked contributing to a 401(k) plan at work as a top goal, while 28 percent said paying down debt was a priority.

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It isn’t always easy to save for retirement, repay student loans and manage other financial priorities when you’re just starting out.

But a recent survey finds that when the circumstances are right — namely, when a steady well-paying job is in hand — 20-somethings are making the right choices.

“To get people to save early is so important, and it’s encouraging that millennials are both paying down debt and saving,” said Anne Coveney, senior manager of retirement thought leadership at T. Rowe Price.

Certain factors make it easier for millennials to act financially responsible.

In the survey, the median income of millennials was $57,000, which meant young workers could afford to save and pay down debt. They also were employed at their jobs for an average five years, providing stability.

Automatic enrollment in a 401(k) plan also helped, as well as the opportunity to receive an employer match on contributions.

According to the survey, of the millennials who were automatically enrolled in their 401(k), 79 percent were satisfied that they were enrolled.

With automatic enrollment, you don’t have to sign up to participate in your company’s retirement plan. Contributions are deducted automatically from your paycheck (though you can elect to stop making contributions at any time).

And among millennials who decided how much to contribute to a 401(k), more than half saved enough to take advantage of the full employer match.

“Young people are pretty aware of the match, and that’s a good thing,” Coveney said.