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Martin Paasi: A newborn can become a millionaire by retirement with just 65 euros a month. If you start at age 50, you'd have to shovel in something like 1,200 a month — if I remember right. You need to start earlier: the earlier you start, the cheaper that million gets, because you've got this rising ball of dough sitting there beside you, growing all the way to your retirement — or maybe even further. That kind of financial security buys you more choices in life.