If you are under thirty-five you have at your disposal the world’s most powerful investment tool - time. Today’s 20 year-old can put aside $71 a month and retire a millionaire. At 26, the magic number is a mere $130. At 35, sock away $324. Frances Leonard’s easy Four-step program shows you how to use your youth and the miracle of compounding to put aside a few dollars now so that you won’t have to worry about retirement for the rest of your life. Of course, putting aside any amount of money in your twenties and thirties is a drag. That’s why the Four-Step program is designed to reward you well throughout your life. Start now, and you’ll not only retire a millionaire - you’ll also have thousands of dollars over the years to spend on fun stuff while you’re still young enough to enjoy it. Written specifically for the financial beginner, 'Time is money' provides the solid information you need to radically change your future for the better - without sacrificing every dollar today.