"If you look in your wallet and have a dollar, you have two choices. You can spend it or you can save it. 'Well, a dollar is not much money,' you say. 'Au contraire,' we say. If you're age 25, and decide to invest that dollar, in, say, a Roth IRA, at 65, that dollar would be worth more than $45. The paradigm shift for you should be, 'Do I really
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