Summary:

• You don’t need a huge salary to start investing.
• Small, consistent contributions made early can grow into something significant.
• Compounding makes time your most valuable resource.
• Waiting just a few years could mean losing out on thousands in growth.

Why Starting Early Beats Starting Big

Here’s the thing: you don’t need a fat paycheck to build wealth over time.
Even tiny amounts can grow into something meaningful if you start early.

Think of it like planting a tree — the earlier you plant it, the bigger it grows by the time you’re ready to sit in its shade.

For example, if you invest €50/month with a modest return, your money doesn’t just sit there. It grows, earns returns, and then those returns start earning too — that’s compounding.
Give it 10, 20, or 30 years, and you could be looking at thousands — even tens of thousands — without ever having invested a massive lump sum.

The catch? Waiting five years could cost you thousands, because those are years of compounding you can’t get back. Time is your secret weapon.

How to Start Small

• Pick a percentage of your income: Even 5–10% is enough to get going.
• Automate monthly transfers: Out of sight, out of mind — and it grows quietly in the background.
• Don’t chase market timing: Consistency beats trying to guess the perfect moment every time.

Think of it like brushing your teeth: small, regular efforts beat occasional big scrubs.

Key Takeaway

Starting now, even with a small amount, beats waiting to start “perfectly” later.
You don’t need to be rich. You just need time and consistency.

---

👉 Try the compounding calculator here and see for yourself how starting early beats starting big.