This stage may appear simple, but it is the most important for individuals just starting out or in transition. Most of us have seen figures showing how a small sum saved regularly and compounded over time may add to significant wealth. On the other hand, those tables never cover the other side of the tale. Are you making enough money to save? Remember that there’s only so much money you can save. If you’ve already slashed your expenses to the bone, you should seek ways to boost your revenue. Also, are you skilled enough at what you do and enjoy it enough to be able to do it for 40 or 50 years and save that much money?