Cost of Waiting To Invest

If your goal is to save $500,000 for retirement at age 67, look at the difference time makes:

Monthly Savings Required

Begin at Save Cost to Wait

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Age 25 $89

Age 35 $224 More than 2 times more

Age 45 $602 Nearly 7 times more

Age 55 $1,926 More than 21 times more

The sooner you begin to save/invest, the greater the growth on your investment

The high cost of waiting

$100/month at 9%

Begin saving at: Total at age 67: Cost to wait

Age 25 $566,920

Age 26 $517,150 $49,770 (for waiting 1 year

Age 30 $357,240 $209,680 (for waiting 5 years)

Age 40 $137,780 $429,140 (for waiting 15 years)

These examples assume a hypothetical 9% constant rate of return. Rate of return is a nominal interest rate compounded on a monthly basis. Actual investments will fluctuate in value. The illustration does not include fees and taxes which would lower results. Investing entails risk, including loss of principal. Shares, when redeemed, may be worth more or less than their original value

Note: Information was taken from the book: How money works: A common sense guide to Financial Success by Primerica

About Ron Simplified Myers

"Simplify Lives Globally" by uplifting people and helping them to rewrite the stories that limit their potential and turn those stories into fuel that ignites an extraordinary journey.


  1. Does your site have a contact page? I’m having a tough time locating it but, I’d like to shoot you an email. I’ve got some ideas for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it expand over time.

    1. Yes we do. It wasn’t showing and I am glad you bought it to our attention. You should be able to see it now. Thanks again

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