Picture this: the year is 2003. The setting, high school math class. An enthusiastic teacher bobs before his class of dazed and confused adolescents, encouraging them to consider their financial future.

“If you start now and put only $50 away each month, by my age, you could be a millionaire!” He challenges. Such was the magic of compound interest. Yet all my classmates and I could hope for was the magic of the lunch bell.

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