“As of almost exactly 10 years ago — 10 years before retiring early — (my) net worth was a whopping $2,147.
I’d been paying off debt and saving for years to get to a barely positive net worth, and to save less than one year’s worth of living expenses in my retirement account. And it felt for years like I was barely making any progress.
But then, not all that long after this I hit the tipping point when saving faster became easier, and when compounding started to work in my favor — in our favor at that point — and just like that, the progress began to feel palpable.
All of which is a long way of saying: Don’t get discouraged if it feels like the going is slow at first, maybe even for the first several years!”