Each month that you put off saving in favour of spending either increases the amount that you will have to save in the remaining months, or pushes out the date at which you will reach your goal. Starting to save earlier allows you to extract maximum benefit from the power of compounding. Choosing to invest when you start to put money aside often leads to concerns about the ‘right time’ to invest; the right time is now. You can’t get time back once you’ve spent it.

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