@bad.anthony: Waiting for the right time is the most expensive habit there is. $200 a month at about 8%, starting today, comes to $117,804 in 20 years. Wait 10 years to start and you end up with $36,589. The seed wasn't the problem. Waiting was. Send this to someone who keeps saying "I'll start investing next year." #investing #compoundinterest #PersonalFinance #moneytips #badanthony