Think it’s too late to build wealth? Think again.

Many individuals in their 30s and 40s worry they’ve missed the boat on building wealth and securing their retirement—but here’s the truth: it's absolutely not too late to start investing.

Key Takeaways:

• You still have time on your side. Even if you're in your 40s, you could have 20–30 years of investing ahead of you. That’s ample opportunity for your money to grow, especially with consistent investing and compounded returns.

  
  

• Compound interest works in your favor, no matter your age. You might not outpace someone who started earlier in nominal time, but starting now and staying invested over decades can yield significant results.

  
  

• Starting later may require smarter strategies. If you're beginning at 35 or 45, it’s wise to consider contributing more aggressively or leaning into higher-return assets like stocks—though always aligned with your risk tolerance.

  
  

• Financial planning evolves with age. As you move from your 30s into your 40s and beyond, your investing tactics should shift—from aggressive growth strategies to more balanced and eventual capital preservation strategies.