While you surfed the web looking for naked women – some kids with an incredible business sense and a drive to turn ideas into reality made multi-million dollar enterprises before they turned 20. Sure, now they probably surf the web for naked women as well – but they’ve also got a huge sum stacked up in a nearby bank.

Forbes researched five young entrepreneurs who borrowed money, partnered with others and created small but successful businesses. While the ideas varied – from beanie-baby ecommerce to making jams in a garage – all saw the kids break into the millionaire club in a very short time.

Don’t miss – How To Make A Million Before You’re 20.