Someone might be telling you it’s a bad time to invest right now. They’ll mention something about inflation or politics or the end of the dollar. But don’t listen to any of that.

The reality is, one of the most important variables with investing is time. The sooner you get started, the more you let time work on your side. This is what enables your portfolio to experience compound growth and balloon into a BIG number.

In our example, we are assuming Sam and Sage invest in an index fund that tracks the S&P 500, which has had a 10% annual growth rate over the last 100 years, including dividends. Sam puts $500/month in the bank for ten years until he is finally ready to start investing, then he starts investing with $500/month. Sage puts $500/month into index funds every single month.

So, start today. If you don’t have the money, invest a very small amount. Getting started can be the hardest part. There will always be reasons to delay getting started. But, starting now instead of later can make a HUGE difference.

As always, reminding you to build wealth by following the two PFC rules: 1.) Live below your means and 2.) Invest early and often.‎

‎-Vivi & Shane