The younger a person begins to invest, the easier it is to accumulate wealth. Most millennials I talk to give me a plethora of reasons why they can’t invest a little money at this exact moment. These range from needing to save for a newer car or waiting until they get a job that pays more money. These are actually excuses that gets them further away from making money than closer. The truth is getting a newer car puts you further into debt which leaves you with even less cash on hand. Waiting for a higher paying job or even waiting in general brings about obstacles like emergencies, car troubles, and unforeseen expenses. Maybe you realize you are going to be a father or mother, now all of a sudden investing is on a permanent hold. There is no time like the present. When you begin to invest, it is smart to place money into a retirement fund like a 401k or Roth IRA. The company you work for may also match deposits into your 401k up to a certain percent. This means your company will give you free money and double it up to a certain amount. NEVER leave free money on the table! After setting yourself up for retirement, you can place your money into index funds or individual public company stocks. It only takes you putting a little in at a time until you see your money making money for you.