Don't Worry About The Clock

A penny saved is a penny earned. -Ben Franklin 

 Nearly everything awesome takes longer than you think. Get started and don't worry about the clock.

-James Clear, Author of Atomic Habits, in his Jan 23rd 2025 weekly newsletter

The best time to plant a tree was 20 years ago. The second best time is now.
-Chinese Proverb

Every dollar you spend is a missed opportunity to grow your wealth.

Every day you wait to invest is a missed opportunity to grow your wealth.

Every dollar sitting in your bank account is a missed opportunity to grow your wealth.

Investing is like planting an apple tree—the sooner you plant it; the more time it has to grow and bear fruit.

Here's what investing $100/week until you turn 65 could turn into (8% return):

- Starting at 20 - $2,300,000
- Starting at 30 - $1,000,000
- Starting at 40 - $415,000

Waiting 10 years to start investing could cost you $1.3 million in potential wealth.

Research shows that Americans start to invest at an average age of 30, but younger generations are changing the game:

- Gen X – average age 32
- Millennials – average age 24
- Gen Z – average age 19

Are you ready to start? Check out some of our favorite resources below.