Ten years that cost more than half

Two people save €100 a month until 65. One starts at 25, one at 35. The late one ends with less than half.

The first euros you save grow the longest. The ten missing years are the ones at the start, so they miss all the growth that came after.

Ten years of €100 a month is €12,000. Starting later doesn’t cost €12,000. It costs about €140,000.

“I’ll save more later.” To catch up, the one who starts at 35 must save about €215 a month: more than double.

Whatever your age, today is the earliest you will ever be again. Even a small amount started now beats a big one started later.

Time does more than money. Ten years later needs double the saving for the same result.