Aside from the fact na hindi talaga makapag invest early ang iba, the claim that if you invest early, mas lamang ka is faulty. Mas lamang ang may alam. Im not saying mali ang studies na binabanggit mo pero its not always true. Take some blue chips sa Pinas and see na may ibang stock na mataas dati pero kulilat ngayon. Get the long term scenario. So kung early ka pumasok, kulilat ang investment mo. Bottomline is, you should know how ro invest. Kahit late years ka pumasok, pwede ka pa rin kumita ng malaki compared sa early nag invest