Retirement may feel decades away, but every year you wait costs you more than you think. Discover why time is your greatest wealth‑building tool.
“I’ll start saving next year.” It’s the most common – and expensive – thought in personal finance. This article shows you why today is the best day to begin, and how a small head start can grow into a huge advantage.
A 25‑year‑old who invests $200/month until 65 will have twice as much as someone who starts at 35, even if the latter saves twice as much per month.
Einstein called it the “eighth wonder”. Your earnings start earning their own earnings – the effect accelerates every year.
Money loses value over time. Only invested assets have historically outpaced inflation and preserved your purchasing power.
See how delaying your start date affects the monthly savings needed to reach your goal.
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This assumes you start with $0 saved and invest at the end of each month. Real results vary with fees, taxes, and market fluctuations.