There are three big factors that influence investments one has by retirement: how much, what investments, and how long. Today’s Chart of the Day from the Motley Fool shows the importance of the third one, how long. One dollar saved at age 20 is worth $18 at age 65; that same dollar saved at age 32 is only half of that at $9. This is a good post to share with anyone you know who is younger and starting their investment journey. I like to say to 20-year-olds, “The extra $10,000 you want to spend on that new car will cost you $180,000 someday.”