 But you pay your bills, you pay your student loans, you pay all these other things. How do you have enough money to go ahead and to save? Is there a point where it's too late to start saving? And what about that person who's saying, I'll never be able to do it. It's too late for me. Yeah, I always told people it is never too late. There is the magic of compound interest. And the sooner you start, the more magic it can work for you.