Should I start investing in my 30s or 20S?

Well... it all depends on your goals. The trouble with starting to invest in your 30s is that it will always take more money to achieve the same goal than in your 20s. Remember, if your goal was to have $1 million at at 62, you'd need to save $3,600 per year starting at age 22.

Is it too late to start investing?

It’s never too late to start investing, but that doesn’t mean you’ll have the same investment strategy as your 22 year-old niece. Younger folks have more time to ride out the highs and lows of the stock market over time. People who are near retirement, or who are already retired, may want to take a different tack.

Are You Serious about investing in your 30s?

In your 30s, you're at a critical juncture in your wealth-building journey. You can get serious about investing, or you can be casual and uncommitted. The serious 30-something investor has a good shot at building wealth momentum and eventually achieving financial independence.