Think about a skill that you've learned within the past couple years.
It may be creating content or coding or writing, but whatever it is - how much better at it are you now than when you first started?
When you start something, it can take some time before you see any growth or progress.
No one becomes a pro or sees results after the first day.
The same holds true when you get started with investing. If your starting point is depositing $500 into a Roth IRA, it's not going to turn into a million overnight.
But the most important thing was taking that initial action to get started.
In fact, if you only invested $500/year for 40 years - that $20,000 turns into $150,000 (assuming 8% returns).
Not necessarily enough to retire, but if you waited 5 years to get started investing, that same $150k drops all the way down to $66,000.
Your efforts, money, time - they all compound.
✅ Early action sets you up for future growth.