Stanford did a study and found that the average person starts saving for retirement at 32.
 
Experts (and history) are quick to say that 32 is too late, and here's why: longevity beats volume. If you've seen the famous 'snowball effect' graphic, then you know what we/I mean. Investments grow, and your retirement funds, big or small, will grow with time and consistency.
 
Interesting, right? Now read back through it and replace 'retirement' with 'buying a home'. It still applies, because owning property is an investment, just a different kind than retirement.
 
Even if it's just $500 for the year, invest in your future now—your older self will thank you!