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Starting earlier matters because investing is compounding process where time multiplies contributions by giving returns more years to build on prior returns. Decade-by-decade difference isn’t motivational fluff but shows up as dramatically different monthly savings requirement for same retirement target even under same assumed return. The Cost of Waiting Math Concrete illustration comes from Cost of Waiting to Invest example using 5% average annual return and target of $1 million by age 65. It states that if starting at age 25, need to save about $655 per month. If starting at age 35, about $1,202 per month. If starting at…