I started saving for retirement when I was 13 years old, as soon as I started working. I started my own website, 2learnhebrew.com, where I tutor people one-on-one who want to learn Hebrew and charge $12 an hour.
I've saved a lot of the money I've made, and I've also spent some on some nice little expensive gifts for myself, like a nice camera and a fancy pen.
Overall, I've put away about $1,000 for retirement into a bank account where I only get a little interest -- but I'm nervous about the stock market. I've probably spent about $800 to $900. And my family gives 20% of everything they earn to charity, so I do that with my money, too.
I'm only in 10th grade, so I haven't yet thought about what I will do when I retire. I don't watch TV now, so I won't then either. But I think having money saved up when I'm older will help me continue doing good things and helping other people.
A quarter of middle class Americans plan to delay retirement until they are at least 80 years old.
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