While it may seem a bit boring to talk about, it's never too early to start saving for retirement. I've been advising my students of that for nearly twenty years -- as soon as they start earning money, they should make a practice of saving 10% of everything they earn, and they should start paying themselves first by opening a Roth-IRA as soon as they have earnings to save. I first learned those lessons from my dad who advised me in my twenties to start investing some extra money I'd made while teaching abroad, and I refined them for my students after reading David Bach's The Automatic Millionaire. Based on Bach's book and a short column from the Market Watch in the Wall Street Journal about the magic of compound interest, I developed a quick financial primer that I used as an intro to class early in the year. I've learned since that some of my students, now approaching their thirties, have been saving since high school. They're not the only ones. Elizabeth Harris of the New York Times profiles three twenty-something Millennial/GenZers who have already started saving for retirement.