Question:
❓You’re 35 years old and start investing $500/month with a 7% annual return.
How much more will you have at age 65 compared to someone who waits until 45 to start with the same amount?
A) $149,000
B) $249,000
C) $349,000
D) $449,000
Answer:
✅ C) $349,000
Here’s why:
If you invest $500/month starting at age 35 and earn a 7% annual return, you’ll have around $609,985 by age 65.
Wait until age 45 to start with the same $500/month? You’ll end up with just $260,463.
That delay of 10 years costs you over $349,000 in lost growth.
It’s not about working harder.
It’s not about saving more.
It’s about giving your money time to work.
Starting early is the real flex. The rest is just math.
