To obtain a higher Rate of Growth is easier when you have less.  Growing $1,000 by 25% is much easier, less risky, and more certain if you contribute $250 to get to $1,250 rather than trying to find a rate of return of 25%. Growing $1,000,000 by 25% becomes harder if you need to contribute $250,000. First step to $1 million is to focus on Rate of Growth not Rate of Return by starting to save and invest now.

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