The Opportunity Cost of Investing at Age 35

Rob is always going to be ahead of Amy purely because he started investing earlier. Remember, fees compound too. Without a person that pays 3% in fees could mean a 60% reduction in their overall investments over 40 years. A productive asset usually does two things. Number one, it has to rise in value over the long term. Number two, it's got to produce an income during that time - and sometimes it fails. The other thing you need to understand is productive assets versus non-productive assets. Know the difference and utilize it.