Quick quiz, jack: How rich would you be today if you started saving at 16? If you don't know, you might want to ask Jessica Nixon. This dame from Dallas started saving when she got her first job at a burger joint, before she was old enough to drive, and she's got $49,000 saved up for retirement and another 20,000 bucks saved up to buy a boat, all at the ripe old age of 23.

Don't tell me saving doesn't work, and don't tell me that you have to make a lot to save a lot. Miss Jessica is proof that the answer isn't the money (she started saving while working at Whataburger), the answer is in you, baby. At a rate of 12 percent growth, JN's money will double every six years. That means her $49K will turn into a cool $3 million and change by the time she's 60. And that's if she doesn't add another penny ... ever.

Dave Ramsey says save. A little sacrifice now will mean a lot later. I didn't save when I was younger and it cost me. Don't let it do the same to you, baby.