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Attention young people....here is a stat that you should listen to now, and listen to good:
If you are 25 years old, make $30,000, save 15% of your income until you are 65 years old, and earn 8%, you will have well over a million dollars when you are 65 years old. Of course, you'll need more than a million dollars, but hopefully you'll also make more than $30,000......
invest early, nothing smarter you can do.