Three habits to build wealth by retirement: get a credit card at 18 and pay it off monthly to build credit, buy a home early with an FHA loan, and open a Roth IRA in your 20s. A few hundred dollars monthly in a Roth compounds tax-free into a million by retirement.
Do you want to be a millionaire and much more by the time you retire? If you're a young adult or you know a young adult, write these things down. The first thing you need to do is get a credit card. You can get them as early as 18. Get anyone that you can qualify for and pay it off every month. Secondly, as early as you can swing it, buy a home with an FHA loan. The credit score you need to qualify is very low and you don't need much money down, 3 to 4%. Next, and this is huge, start yourself a Roth IRA. Vanguard is a good place to start something like that. The earlier you start, the better. If you're in your early 20s, just a few hundred dollars a month means you will be a millionaire by the time you retire, and it will all be tax-free. Do these things now. Look me up in 40 years so you can thank me.
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