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<<I'm enjoying following this board but I'm wondering about the average age of people posting (really none of my business but I deal in demographic statistics professionally so curiousity is getting the better of me). My theory is that the people here are astute and DID start early on retirement saving. I'll even be brave and go first ! I'm recently 43 and saved my first retirement dollar at 24.>>

Okay, picture it--May 1996. A formerly fresh-eyed, 23-year-old law student sits bewildered before an income-tax casebook. His eyes are glazed, his brain is stuck in neutral, and his hands are shaking from too much caffeine. It's two days before the exam, and he's desperately searching for the magic key that will pull everything all together.

Suddenly, his eye lights on the heading, "The Time Value of Money." Intrigued, he reads on and remembers everything he once learned in calculus about compound interest and power series. A stray thought enters his mind--"Money can grow so fast..." Feverishly, he flips pages to read over all the tax strategies involving dividends and interest and capital gains.

The heavens part. Gabriel his own bad self trumpets into our hero's ear and shouts, "WAKE UP!!!!!" Long story short, 2 weeks later I aced the tax exam and bought my first book of finance ever--_Get_A_Financial_Life_ by Beth Kobliner. (A very Foolish place for utter novices to start, by the way.) Right now, I save everything I possibly can and test out various stock strategies to see which ones work for me. (Dynamic Healthcare Technologies I picked using our Bible, the MFIG--thanks, Fools!)

Yes, you too can go from tossing the Business section to get to the comics, to haranguing everyone you meet about debt-to-equity ratios, in only one year! I'm trying to spread the gospel to my family as well, who have likened the stock market to Las Vegas, except maybe Las Vegas has better odds.

All best,
Dave
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