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SIGH, I am 19 years too late....but I had a lot of STUFF back then from those summer jobs.
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I listen to Clark Howard - radio financal guy, and he swears by this. He has a teenage daughter who he promised to match 100% whatever she puts into her Roth so she can put in the $2000 each year so she will have her million when she is in her 60s. What a nice gift for a child!!
I hope I remember this when my kids are older!! (we all know what is going to happen to social security!)