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A child whose parent is foresighted enough to launch a Child IRA will be a millionaire by the time they’re 18, says financial expert Christopher Carosa. (Photo: iStock)

An expert says that toddlers could be on their way to becoming millionaires by the time they can vote, and will never have to rely on Social Security to retire — provided their parents are savvy enough to open IRAs for them when they’re still in nursery school.

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