Its fun to play with financial calculators and see what might happen.

If you have just graduated from college and are about 22 years old and if you put $100 a month in an IRA that grows at 10% a year, you will have around $865,000 at age 65. 10% a year is about what you should expect if money was placed in a no-load S&P 500 Index Fund.

So for about $23 a week or $3.30 a day you will be close to being a millionaire.

If you contribute full $4000 a year allowed right now (rising to $5000 in 2008), you would have $2,600,000. For about $11.00 a day, you would have a small fortune.

If you didn’t want to take a chance with stock market (after all, it goes down sometimes), you would still have over $600,000 if you could get a 5% return.

If your grandmother leaves you $10,000 in her will and you invest it for same 43 years at 10% without adding another cent, you’d still have over $600,000 if you placed it in a tax sheltered account.

Time and power of compound interest are on your side. So if you’re in you twenties, do whatever you have to scrape together that IRA contribution. Every day you procrastinate is another day your money is not working for you.

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