 yeah obviously the younger you start the more you're going to have everybody knows about compound interest uh you know putting away money at a young age even if it's a smaller amount is going to pay off with the time that you're going to have that money invested the second part of it is yeah we do run into people that feel like okay i haven't saved enough i'm in my late 40s or 50s now um you know it's too late to even start i'm not even going to bother and that's not true i mean you can always save money for retirement