A 30-year-old can spend $5,000 on a boob job—or she can take that $5,000 and invest it. If she puts only that amount into the markets and receives an average annual return of 7 percent from then on, without ever adding a penny to her savings, she will have $74,582 at age 70. If the 30-year-old starts investing $5,000 a year from that age onward, and receives an average annual return of 7 percent, by the time she’s 70 she will have more than a million dollars.

Get a boob job or invest the money? Numbers according to financial literacy expert Manisha Thakor, the author of On My Own Two Feet: A Modern Girl’s Guide to Personal Finance, and Get Financially Naked: How to Talk Money with Your Honey.

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