It’s crazy to imagine money working for you all the time. But all the financial experts have said it, make your money work for you. But is it really that easy to do? Maybe, maybe not. It depends on ONE factor: YOU.

It's a no-brainer that if you start investing early, you will get way more at retirement than someone who starts 5 years later than you. The key is in the compounding effect of your investments. Here are some figures: 1) At age 25, you invest $4,000 every year. Your portfolio when you're age 65 would be worth over 1.1 million dollars! (Assuming historical 8% average annual return) 2) At age 35, you invest $4,000 every year. Your portfolio when you're age 65 would be worth less than 800k, three hundred thousand dollars less than first scenario, hardly interesting! (Assuming historical 8% average annual return)