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Start investing early or lose $600K+ by retirement? Here's the math:



**The compounding experiment:**
- Person A: Invests $300/month from age 19-27 (8 years only) → $1.985M by 65
- Person B: Invests $300/month from age 27-65 (38 years) → $1.38M by 65

Yep, early bird wins by nearly **$600,000** despite investing for way less time. This is why Warren Buffett called self-investment the best investment—and starting early is part of that.

Other mistakes to dodge: wrong asset allocation, trusting brokers over fiduciaries, ignoring tax implications, overpaying on mutual funds, and never rebalancing.

The takeaway? Time beats money. Start now.
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