When it comes to saving for retirement, most of us have wondered the same: “Am I behind?” If so, don’t worry: you’re not alone! The truth of the matter is this: The best time to start saving may have been years ago, but the second-best time is TODAY.

The earlier you start, the more time you have to let your money work for you . Here’s an example: by investing $250 a month (20 lunches at $12.50) and assuming an 8% average annual return, if you started at age 25, you’d have $878,570 by the time you reach age 65. If you waited to start until you were 35, you would have accumulated $375,073 by age 65. If you waited to start until age 45, you’d have about $148,200 at age 65. Bottom line: time is your biggest advantage.

Combine the power of compounding with the tax advantage of tax-deferred

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