IT'S 7 TIMES HARDER TO GET THERE STARTING AT 45

.......in a 40 year working lifetime beginning at age 25, 85% of our total final accumulation of invested funds is generated in the second 20 year period of our working life.

.......15% is generated in the first 20 years

.......when we begin the accumulation process at the halfway point at age 45 we must contribute almost 7 times more each year than we would have had to had we begun on day 1

.......somewhat like pushing an elephant up to the sky.......very hard to do.