Compounding is one of few wonders in the world. Albert Einstein said it himself. I tend to agree. It is so powerful that it doesn't take much to accumulate vast amount of wealth. Yet, so many people complained that they did not have enough money to invest.

Quick questions. How much does it take to be a millionaire? That depends. If you are in your early 20s, all it take is $ 2 a day and 10.5 % annual return on your investment. Hey, stock market can gives you that. The stock market indices has given that to investors since world war II. When you are 30 years old and you expect to retire by the time you are seventies, you need to invest $ 5 per day with 10.5 % annual return. How about when you are forty? You need roughly $15 per day or $ 450 per month. This is a little heavy for some.

However, as you can see, time is your friend. If you just graduate from college, you can be a millionaire with a mere $ 2 a day. The minimum wage for most state is $ 7 per hour. You think you can set aside $ 2 each and every day? Sure, you can! But still, how many people has to depend on their family when they can't work?

No matter how old you are, you can still add considerable amount of money by investing a dollar a day. If you are twenty years away from retirement, one dollar a day will give you an extra $ 22,000 when you retire. That is about six months in living expenses for normal folks!

Do you need ideas on how to raise $ 1 a day? Oh, come on. Don't make me come and get you. Just take that $ 1 bill from your wallet and put it someplace away from you.