Multiplier effect of time on equity

The secret to making money investing is not having courage and agility, it is spending little in the first decades of life and being patient. Investments take time to generate relevant amounts of income, but time will pass anyway and, if you are able to leave part of your money invested, to use only when you are older, you can have much more peace of mind in the future. R$ 100 thousand invested today at 10% per year would give you an extra R$ 800 / month. If you waited 20 years to start spending the monthly return it would be R$ 5,400. If you waited 30 years, you would have R$ 14K/month. In 40 years he would have R$ 36 thousand / month of passive income, without working, and a net worth of almost R$ 5 million. Notice how the more time passes, the faster your monthly returns grow. The way is to save early in life and be patient.