It takes money to make money
This one is pretty much a no-brainer. If you have a million dollars, it's a hell of a lot easier to make another million dollars than it is to go from zero to a million. Just simple economics.
Yet so many don't understand this point. Having people understand the money velocity and how gains build gains is something you really have to see. I wish our schools sat kids down in Excel and showed them just what time value and compounding can do - set them down a path of early and frequent investments to start the ball rolling.
Looks like I found another from MN - I am so over snow for this season....