One of the most basic principles of finance is the time value of money. Conceptually, money is worth more now than in the future. Stated another way, given the choice, you want your money sooner rather than later. This is because invested money earns interest and because you can use the money you have now for things that may not be available later. Early investing can compound earnings, resulting in a higher net value. The chapter offers guidance on the importance of starting to save and invest early in your career to build a nest egg for retirement.