February 2, 2017: The age you start investing really matters. It’s never too late, but earlier is much better. If you started saving $5500 a year at age 25, then stopped after 10 years, assuming a 7% return, you would have $618,951 at age 65. However, if you didn’t start saving $5500 a year until you were age 35, even after 30 years of saving, assuming the same 7% return, after 30 years, you would only have $555,902 at age 65. The power of compounding is an integral factor for retirement success