Learning How Early Saving Empowers Result All too often investors get lost chasing the best return, when what is most important is actual savings. Those who save a little over long periods of time often don’t need to chase returns, because half of meeting retirement goals is the savings. Yes, returns are the other half, but if one does not save until they are older, the shortfall can be significant. Meeting one’s retirement goals has two factors, like 1 + 1 = 2. Well, savings + returns = healthy retirement! If you add savings over a long period of time with returns, then a bountiful retirement is in store. Saving early and doing it over a long period of time makes for great stories. But those who put off saving–replacing saving with spending–often get used to a lifestyle they can’t afford when they get older. In fact, one common misconception is, “I’ll spend now while I’m still young and can enjoy it.” Well, it sounds good, but when you’re in your 50s–or worse, late 60s–and you have to work because you can’t afford to retire,