Wealth Creation
If you need a good reason to get started right now, you should take a few minutes to understand the magic of compounding. This powerful force comes into play when you save or invest - and it means that starting now could mean huge pay-offs later. Imagine a snowball that grows larger as it rolls downhill, and you've got a good idea of how compounding works.
Your savings and investments grow in two ways: from returns or interest earned on the original investment and from returns or interest earned on the returns or interest from that original investment. That means a dollar saved or invested today is worth a great deal more than a dollar saved or invested 20 years later.