Why You Shouldn't Wait to Invest and Get Life Insurance
SPOILER ALERT: YOUR FUTURE SELF WILL THANK YOU.
Have you ever thought about life insurance or investing and said: 👉 "Nah, I'm too young for that… I have time!" This is probably the most common phrase I hear in my work.
And it's understandable. When you're in your twenties or early thirties, you're living in the moment: studies, first jobs, travels, maybe a first apartment or even a first house. Thinking about the future seems abstract, even boring. But let me explain why this reflex could cost you dearly—in the simplest way.
1. Time Is Your Superpower
When you're young, you have something older people don't: time. And in finances, time is a wealth-building machine.
For example, if you invest $100/month starting at age 25, with an average return of 6%, you could end up with over $200,000 by age 65. If you start at 35? You won't even have half of that.
It's simple: the earlier you start, the more your efforts work for you.
2. Life Insurance Costs (Much) Less When You're Young
When you're healthy and young, you can get permanent life insurance coverage at incredibly low costs. Waiting later means risking:
- Getting a diagnosis that makes you uninsurable or harder to insure.
- Paying two, three, or four times more for the same protection.
You might not think you need this today… but that's exactly why now is the perfect time.
3. It's Not About Age, It's About Intention
Being young doesn't mean you should wait to prepare well. You don't need to be "rich" or "there yet." You just need to want to build something solid.
And trust me, laying the right foundations now, even if it's small, changes everything.
In Conclusion…
You're not "too young." You're at the perfect age to take the lead. And there's no better feeling than telling yourself: "I made a good decision for me."
Need a little help to start without stress? That's exactly what I do with my clients: make everything clear, simple, and, most importantly, tailored to your reality.