Billionaires can buy almost anything. The one thing none of them can buy is more time in the market. You have it. They'd trade fortunes for it.

Here's the uncomfortable flex: a broke 17-year-old who invests $50 a month can end up with more than a 35-year-old who invests $200 a month. Not because the teenager is smarter or richer — because they started 18 years earlier, and those years do the heavy lifting.

Compounding rewards time far more than amount. So the most valuable financial move you'll ever make might be the one you make this year, with almost no money, simply because you're young enough for it to matter.

Most people learn this at 40, with a pit in their stomach. You're learning it now.

This week: stop waiting until you “have enough.” You already hold the rarest asset. Put in a small amount and let time be the genius.

— Kevin