That extra 7 cents is growing as well. Let it go 30 years (that is, not saving another dime) while compounding quarterly and you end up with $8.02. Eight bucks. “So what?” you might say. Well, imagine instead you set aside $20,000 at age 35 and added nothing to it. Over 30 years at 7% your money grows. Slowly at first. At Year 10 the number is a bit over $40,000. […] And so on.