Compound interest 

is the eighth wonder of the world.

Those who understand, earns interests ... Those who don't ... pays and pays and pays and pays and pays and pays and pays…

DYI:  Starting early and investing consistently is the pathway to financial success.  Staying out of debt completely along with an emergency fund keeping you out of debt is the necessary cousin to investing early.  Simply put there is no special hack, no free lunch, and certainly no magic wands.  It is this: Live way below your means, become debt free and stay debt free, emergency fund and invest constantly.

Will you miss out on some and possibly many enjoyments in life along the way?  I won’t lie to you.  The answer is yes along with missing out on emergencies that sends the more adventurous into the financial ICU ward!

Life is made up of harsh tradeoffs.  Live a life with the attitude that your days are short without a concern about your nonexistent future only to arrive at an older (or old age) attempting to live solely off of Social Security.