I’m 37 and spent the first 10 years of my career working for the government agency that investigates investment fraud in my state. Now I’m self-employed, travelling around the US making presentations to teens and young adults about this very subject. While I didn’t start contributing to my ROTH and saving for retirement as early as I wish I did, I started in my 20s and it will guarantee that I’m a millionaire in my lifetime.

I want to encourage anyone reading this, with all of my heart, to go for it! We get one chance in this life to experience it, to fulfill our dreams. Saving for retirement isn’t about having money for material things, like cars and bling and fabulous martinis. Money is what allows you to live your dreams. Financial resources give you access to the opportunities in life that allow your spirit to soar, and for you to become your most distilled self. To see the world. To get the education you want. and yes, to have that fabulous car should you desire. Money means you have freedom, independence, and choices.

It’s insurance that you will have the chance in this life to be your very best ‘you’.

I wish you all the best and admire your determination to keep at it!