“Compound interest is the 8th wonder of the world. He who understands it, earns it; he who doesn't, pays it.” - Albert Einstein. Time can turn a small difference into a sizeable advantage. Saving an extra 10-15% of your cash flow per year can be possible without making major sacrifices and can result in a meaningfully different outcome for your future. The magic is time. As an investor, it’s important to understand that time is your most important ally. Starting early and being consistent is key. See the attached link for a video that will help you better understand the magic of compound interest.