A bookkeeper with a two-year college degree retires with more than $5 million in his investment accounts. A renowned surgeon is shocked to discover that he doesn’t have enough to retire. Based on real people, the two stories in One Decade to Make Millions prove that anyone can retire wealthy and anyone can go broke.

The only question is how much attention you decide to pay to your finances—and when you decide to start.

If you start saving in your early twenties and apply a few basic principles to your personal finances, you’ll set yourself up well for retirement. Maybe even early retirement. Without any financial worries for the rest of your life.

On the other hand, if you spend money as fast as you make it, even a million-dollar salary won’t get you where you need to go. So if you want to retire early with the possibility of a multimillion-dollar nest egg, you don’t need a medical degree. You just need One Decade to Make Millions.