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You may have heard Dave Ramsey‘s assertion that a teenager who starts to save now and does so for the next decade, will be a millionaire at retirement. Is this for real? Yes, according to Russ Carroll, longtime Ramsey employee, consultant and financial strategist. Russ makes the concept of compound interest palatable to those of us for whom retirement is a long way off. He shares tips for saving, investing and letting your money work for you early on so you can enjoy it later.