The plan is simple:

1. Pay off all BAD debt.
2. Build a 3-month emergency fund.
3. Open a Roth IRA
4. Invest $500 a month (into the SPY - S&P500)
5. Keep doing for 40 years.

Start early and this is enough to make you a millionaire.  

Assuming a 12% annual return rate compounded over 40 years, this would be worth $4,943,560.

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