PROCRASTINATORS

"I’m too young." "It’s too early." "I don’t have any money to invest."

By now, the readers should realize that the above statements are poor excuses for not investing early in life.

Any one can accumulate great sum of wealth, if only started early, earlier the better. Even a very small sum of money over the years become good deal of money, even more, if interest /dividend are allowed to compounded and reinvested and continuously keep adding small amount of money frequently to the original principal.

Time is money and money is power.

Although money does not guarantee happiness, money provides options. Be aware that once the window of opportunity passes, the ability to make up for lost time is very difficult.

Table 64

Table 64 shows the interest earned on investments of just $1, $5, $10, $15, $20, and $25 monthly. In each example, the time period is 5 to 70 years (in 5-year increments), and the interest rate is 10%, compounded monthly.

Year	$1 Monthly Deposit at 10%	$5 Monthly Deposit at 10%	$10 Monthly Deposit at 10%	$15 Monthly Deposit at 10%	$20 Monthly Deposit at 10%	$25 Monthly Deposit at 10%
5	79.08	395.41	790.82	1,186.24	1,581.65	1,977.06
10	207.55	1,037.76	2,075.52	3,113.28	4,151.04	5,188.80
15	418.92	2,094.62	4,189.24	6,283.86	8,378.49	10,473.11
20	766.70	3,833.48	7,666.97	11,500.45	15,333.94	19,167.42
25	1,338.89	6,694.45	13,388.90	20,083.36	26,777.81	33,472.26
30	2,280.33	11,401.63	22,803.25	34,204.88	45,606.51	57,008.13
35	3,829.28	19,146.38	38,292.77	57,439.15	76,585.53	95,731.92
40	6,377.78	31,888.90	63,777.80	95,666.70	127,555.60	159,444.51
45	10,570.86	52,854.28	105,708.56	158,562.84	211,417.12	264,271.40
50	17,469.76	87,348.80	174,697.61	262,046.41	349,395.21	436,744.02
55	28,820.59	144,102.95	288,205.91	432,308.86	576,411.80	720,514.77
60	47,496.21	237,481.05	474,962.13	712,443.18	949,924.23	1,187,405.31
65	78,223.38	391,116.88	782,233.80	1,173,350.68	1,564,467.56	1,955,584.49
70	128,779.06	643,895.28	1,287,790.63	1,931,685.92	2,575,581.20	3,219,476.56

Year	$1 Weekly Deposit at 10%	$2 Weekly Deposit at 10%	$3 Weekly Deposit at 10%	$4 Weekly Deposit at 10%	$5 Weekly Deposit at 10%	$6 Weekly Deposit at 10%
5	340.22	680.45	1,020.67	1,360.89	1,701.11	2,041.34
10	900.31	1,800.62	2,700.94	3,601.25	4,501.56	5,401.87
15	1,825.08	3,650.15	5,475.23	7,300.31	9,125.38	10,950.46
20	3,351.95	6,703.91	10,055.86	13,407.81	16,759.77	20,111.72
25	5,860.71	11,721.41	17,582.12	23,442.83	29,303.54	35,164.24
30	10,015.18	20,030.36	30,045.54	40,060.71	50,075.89	60,091.07
35	16,874.62	33,749.24	50,623.87	67,498.49	84,373.11	101,247.73
40	28,200.24	56,400.48	84,600.72	112,800.96	141,001.21	169,201.45
45	46,899.96	93,799.92	140,699.88	187,599.84	234,499.80	281,399.76
50	77,775.04	155,550.09	233,325.13	311,100.17	388,875.22	466,650.26
55	128,752.86	257,505.73	386,258.58	515,011.44	643,764.31	772,517.17
60	212,922.27	425,844.57	638,766.84	851,689.12	1,064,611.41	1,277,533.69
65	351,894.30	703,788.65	1,055,682.96	1,407,577.26	1,759,471.61	2,111,365.92
70	581,350.88	1,162,701.83	1,744,052.70	2,325,403.58	2,906,754.53	3,488,105.40

Year	$1 Weekly Deposit at 10%	$1 Monthly Deposit at 10%	$25 Weekly Deposit at 10%	$25 Monthly Deposit at 10%
5	340.22	79.08	8,505.56	1,977.06
10	900.31	207.55	22,507.81	5,188.80
15	1,825.08	418.92	45,626.91	10,473.11
20	3,351.95	766.70	83,798.83	19,167.42
25	5,860.71	1,338.89	146,517.68	33,472.26
30	10,015.18	2,280.33	250,379.46	57,008.13
35	16,874.62	3,829.28	421,865.55	95,731.92
40	28,200.24	6,377.78	705,006.03	159,444.51
45	46,899.96	10,570.86	1,172,498.98	264,271.40
50	77,775.04	17,469.76	1,944,376.08	436,744.02
55	128,752.86	28,820.59	3,218,821.53	720,514.77
60	212,922.27	47,496.21	3,218,821.53	1,187,405.3
65	351,894.30	78,223.38	8,797,357.97	1,955,584.5
70	581,350.88	128,779.06	14,533,772.5	3,219,476.6