She credits the lessons she learned early on for the financial stability she enjoys today, and she advises others to take a similar approach to spending and saving.

“Start early,” she said. “It is so critically important that we get more people to invest in their future very early on,” Heitkamp added. “It’s the whole theory of compound interest. It’s the greatest gift that you can give yourself.”

Perhaps not surprising, her favorite quote is from Albert Einstein regarding compound interest:

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