PS --
Forgot the advice I tell my kids and their friends:
You can not SPEND your way to wealth.
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A little quickie math:
If you're 21 years old and put away $2000 per year - for 10 years - until you're 31 - and from then on you never add another dime to the savings (just letting the interest compound) - you'll have almost ONE MILLION DOLLARS in savings....
HOWEVER....
If you start this savings account at 31 - and put away $2000 every year for the rest of your life - you won't even be close to the million dollar mark...
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