Turn Your Twenties Into Forty Years of Wealth

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You're twenty-five, and you've just been handed a check for $10,000. It's a modest windfall—a bonus, an inheritance, a lucky year of saving. You have two choices. You can invest it, or you can spend it. You're young. You tell yourself you have time. You buy the car, take the trip, upgrade the apartment. It feels like a rounding error in the grand scheme of a life. Now picture another version of you. Same $10,000. You put it into a broad index fund and forget about it. You don't touch it. You don't check it. You just let it sit. Forty years later, at sixty-five, the first version of you has a memory and a depreciating asset.