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(WREG-TV) You don’t have to be raking in a lot of money right now to have big bucks later.

You can even hit the million dollar mark by smartly using your 401K.

Financial experts say you can do this by starting your 401K immediately when you start your first job.

You should contribute 10% of your salary every year.

Experts also say stocks are best for retirement funds because there is the potential for high reward.