I stumbled upon your website a few months ago and have so far benefited immensely from your writings. I am 20 and have been earning a decent living since I was 17, but always managed to live from paycheck to paycheck. Recently I’ve turned things around and have been mercilessly attacking my old spending habits. I setup a Roth IRA for 2004 and was able to max it, and I am saving a significant amount of my earnings every month. Now that I have some funds put away in a relatively conservative, long term investment, I am looking to make some riskier moves with the additional savings I am racking up. I plan to keep contributing to the Roth and maxing it every year.
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