Why time matters

Simple explanation

Time is the secret ingredient. Starting 10 years earlier almost always beats putting in twice as much later. Compounding loves long runways.

Picture this

Two trees: one planted at age 25, one at age 35. Both watered the same way. At age 65, the older tree is twice as tall. Time, not effort, did most of the work.

— Goldie

Real example

Investor A: €100/month from age 25 to 65 at 7% → about €246,000. Investor B: €100/month from age 35 to 65 at 7% → about €117,000. B contributed 75% as much money but ended with less than half.

Common mistake

Waiting for the 'right time' to start. There's no perfect time. The cost of waiting one year, every year, compounds against you.

Quick check

Takeaway

You can't go back and start sooner. You CAN start today. That's enough.

Related glossary terms