"Smart millennials don't get into debt. They take a portion of their salaries, maybe one's working, maybe two, and they invest it," he says. "You have to think about your life in the early stages where you do take on debt ... You've got to get rid of that by the time you're 50." If you start saving in your 20s with that 100 bucks a week and use an app like Beanstocks, you'll end up with over a man-and-a-half by age 65,.
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