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INVEST EARLY, INVEST OFTEN — because time is the ultimate wealth hack. In today’s TikTok-react breakdown, we’re putting two people head-to-head: Jack starts investing first, Blake waits… and that 9-year delay can cost you $1M+. Yep, not a typo. We’ll show why a single dollar invested in your 20s can lap the same dollar started in your 40s, and how that gap turns into a brutal “catch-up bill” (hello $1,600/month problem if you wait too long). Then we get practical: what you might need by age to aim for $2M, why saving 10–20% is a cheat code, and how even $100/month in a Roth IRA can snowball when you start early. Finally, the parent “unfair advantage” section: 3 steps that can set a child up for $160K by 18 and potentially $14M by 65 (plus a simple explainer of UGMA vs Roth IRA options). Bottom line: automate contributions, invest raises, and keep stacking wins. Subscribe for more finance breakdowns that make investing feel simple. #finance #overspending #investing #sp500 #financialhabits #money Keywords: invest early invest often, compound interest, jack vs blake investing, roth ira $100 a month, s&p 500 index fund, investing in your 20s, investing in your 30s, investing at 40, how to become a millionaire, millionaire math, retirement $2 million, how much to invest by age, personal finance tiktok reaction, ugma account explained, custodial account for kids, make your kid a millionaire, investing for beginners, financial habits, the edwards report style, zach rios style, jj buckner style, the rudy show style