I’m writing about the financial impact of delaying investing until age 35 and hope to illustrate the long-term cost in missed compound growth and what late starters can realistically do to catch up. 1. How much could someone lose in retirement savings if they wait until age 35 to start investing instead of beginning in their 20s? 2. Can you walk through a simple example comparing someone who starts investing at 25 vs. 35? 3. How powerful is compound growth over 30–40 years, and how does starting later affect it? 4. What contribution level might someone need to make to catch up if they start investing at 35? 5. Are there particular retirement accounts that late starters should prioritize? 6. How realistic is it for someone starting at 35 to still build a comfortable retirement? 7. What mistakes do late investors often make when trying to catch up? 8. Are there strategies beyond investing more that can help close the gap (such as delaying retirement or tax planning)? 9. What advice would you give someone who feels they started investing too late? 10. Anything more to add?