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Millennials: building a nest egg at just $90 a month

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“Yes, some of my friends have credit card debt and they’re not saving a dime, but that’s not me,” says Pearce, a 22-year-old publicist in Phoenix. “I learned the value of investing from my grandfather. He grew up in a time where ‘saving for a rainy day’ was the go-to mantra.”

For his part, Pearce is laser-focused on shoring up his financial future, despite only earning $36,000 a year. He has $3,500 stashed for emergencies, and contributes $90 a month to his company’s 401(k) plan

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