Saving and investing for your own home, your retirement, your childrens education expenses or opening your own business can begin with very modest sums. So if you are concerned about paying off college loans and setting up your first apartment, dont think you cant start paying yourself at the same time. Getting in the habit is important. Accumulating wealth is what its calledand you will.

You might be surprised at how much you can accumulate with small, regular investments.

You just might be surprised at how much you can accumulate with small, regular investments. For example, if you invested $100 every month for 15 years and earned 8 percent per year (after taxes), you'd have nearly $35,000 in your child's college fund! (Keep in mind that this is an illustration and does not represent a particular savings vehicle or investment.)