💎 Millionaire by…
Even at minimum wage, even part-time, you can become a millionaire in a Roth IRA. The trick isn't earning more — it's starting young and letting time do the work, tax-free.
Federal minimum is $7.25, but most teen jobs pay $12–$18.
25%
Or try a preset:
You'd cross $1,000,000 at age
52
Saving $X/year. Still 13 years before normal retirement.
⏰ The cost of waiting
If you waited 5 years to start (same wage, same %, same hours), you'd cross $1M at age —. That's — years later. Time is the asset, not the amount.
Your milestones
By age 65, the breakdown:
YOU PUT IN
$0
COMPOUND GREW
$0
Total at 65
$0
Compound interest did most of the work.
WHY THIS WORKS
Money saved at 16 has 49 years to compound. The same money saved at 35 only has 30. At 7%/year (the long-run stock market average), an extra 20 years roughly TRIPLES your money. The hardest part isn't earning enough — it's starting.
🌱 Open a Roth IRA when you have your first job. Set up automatic contributions. Then forget about it. Future you becomes a millionaire while present you barely notices.
🌱 Open a Roth IRA when you have your first job. Set up automatic contributions. Then forget about it. Future you becomes a millionaire while present you barely notices.