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If you start early, consistency matters way more than trying to invest huge amounts later. At a 9% annual return, reaching $1M in retirement could take around $190/month starting at 20, but over $13K/month if you wait until 60. Time in the market is one of the biggest advantages you can have. Start with your 401(k) match, max out a Roth IRA if possible, then invest any extra into a brokerage account and let compound growth do the heavy lifting over time. #retirement #stockmarket #financialliteracy #financialeducation #wealthymindset