I read on-line a great motivational phrase:
“You will never have more time to achieve your goals than you have right now.”
This phrase is so true, for money, and unfortunately as you read this article, you now have less time than when you first started reading this article. Most motivational phrases like this (for me) are double-edged swords.
A better catchphrase to go with, on your financial journey, is the following:
“The best time to plant a tree was 20 years ago. The second best time, is right now.”
Which is more of a variation on my commentary about Golf (the best way to improve your golf game is go back 20 years and start golfing then)