I agree. The earlier, the better. It’s an exponential function on time. Those who start working should estimate their worth after 40 years in a compounding rate 9 or 10%.
In 40 years, you will have $2,027,294.67 if you invest $500 per month at a rate of 9%.
In 40 years, you will have $4,054,589.34 if you invest $1,000 per month at a rate of 9%.
https://www.investor.gov/financial-tools-calculators/calculators/compound-interest-calculator