The hardest part about building wealth for the majority of the population has nothing to do with picking stocks or asset allocation or active vs. passive or the macroeconomy or any of the other stuff professional investors spend their time debating.
The hardest part about building wealth for most regular people is the process of saving their money on a consistent basis.
But it doesn’t take that much to make a big difference over time if you’re able to stick with a regular savings plan.
Even $20 a month could have an enormous impact if you give yourself a long enough runway.