Theodore Johnson, a UPS worker who never earned more than $14,000 a year. He saved 20% of every paycheck, plus every bonus, and invested in his company’s stock. By age 90, he’d accumulated $70 million. The lesson:

Never underestimate the awesome power of disciplined saving combined with long-term compounding. It works like magic. Young investor, young millionaire. Invest early. Invest wisely.

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