time is a big factor in investments. That’s one part of DR I can’t wrap my mind around. I am debt free and it feels wonderful but am very happy I did not wait till the point in my life when everything was paid off to start to invest. I was working full time and buying stock at 17, made other dumb mistakes like selling my stock to pay for my first husband’s gambling debts….wow, what I would have now if all that had been there during splits and all the years of growth. Never got into serious debt with any credit cards, always invested, always gave. That was just how I chose to live, would not want to wait till the last step to do either. Never had a chance at an employee match but always put in to deferred comp from almost the first chance I was eligible, never had to borrow from it and never regretted it.