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Your twenties are a time of radical change. It's when you graduate college, get your first "real" paycheck, and have to start planning for the future. Cary Carbonaro, financial planner and author of The Money Queen’s Guide: For Women Who Want Build Wealth and Banish Fear, provides one piece of financial advice that you will appreciate for the rest of your life.

"Women in their twenties need to start investing as soon as possible," says Carbonaro. "They have time on their side."

Additionally, Carbonaro says if you continually invest 10% of your salary, you'll be a millionaire by the time you're 65. Perfect timing for retirement!