To reach your major money goals, such as saving for retirement, starting early is key, experts agree. But even the most gung-ho
Richards earned several scholarships to attend Centre College in Danville, Kentucky, including one for playing piano, and made up the rest of her tuition — about $10,000 a year — by selling Cutco knives. Thanks to that side hustle, and to some AP credit she earned in high school, she graduated debt-free in 2013 at age 20.
The job came with a salary of $36,000, which Richards says bumped to $42,000 in her second year. Even though she wasn't earning much, Richards says she was able to save the bulk of her salary. "My expenses were about $1,500 a month," she says. "And since I didn't have student loans and I was super, superfrugal, I was able to save over half my paycheck even then."
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