Financial saving is an uncontested necessity. How much – and how early – one begins saving, however, is less concrete. One thing is still certain though: the sooner you start saving, the better. Which means it’s time to stop procrastinating. Whatever your deterrent (perhaps the market seems unreliable, or you feel you need more expertise to invest wisely), it’s costing you. Experts estimate up to 40% of individuals experience a financial loss due to delayed investment.