How much do you need to save & invest in order to retire comfortably? When should you start?
The Cost of Waiting — Why Every Moment Matters 
Want to retire with $1 million?
The sooner you start, the easier it is to reach your goal. This chart shows the truth: every year you wait makes your dream harder to achieve.
Assuming a 6% return, here’s how much you’d need to save each month based on when you start:
Start at 20: $361/month
Wait until 30: $698/month
Wait until 40: $1,435/month
Wait until 60: $14,261/month
The message is clear: the earlier you start, the less money you need to set aside per month.
Don’t wait until it feels like an impossible climb. It’s not just about money—it’s about creating the life you want without paying an escalating price for delaying. The longer you wait, the harder it gets. But if you take action now, you set yourself up for success.
You don’t need to be perfect—just get started. Whether it’s your health, your wealth, or your well-being, the time to act is now.