Editor's Note: APYs listed in this article are up-to-date as of the time of publication ... to get a higher return on your money. Anyone, no matter their age or savings, can get started with ...

Americans endlessly debate the best age to claim Social Security. If you ask economists and actuaries, the answer is actually pretty simple.

the truth is that the earlier you start putting money toward your future, the more time it has to grow. In fact, retirement-plan provider Fidelity Investments says that to retire by age 67 ...