“I’m mad at myself for wasting time,” he said. “Nine whole years have passed that I won’t get back, and I did nothing!” I suppressed a laugh, but I was not making fun; I was astonished. I’ve heard this many, many times but this guy was different. He was 25 years old, lamenting about what he did not do at age 16. His wise grandmother had told him to start contributing to a Roth IRA when he was 16. She showed him how $5,500 invested annually until he retired at 66 would Read on...