Verified answer

Because they understand the importance of the time value of money. In other words, compound interest. For instance, if someone deposited $100 per month from the time they were 20 until they retired at 60 and the deposit earned 8% compounded monthly, they would have about $350,000 even though they invested only $48,000. If they were to wait until they were 30 to start investing they would end up with only about $150,000. So even though the earlier savers only invested $12,000 more, they ended up with $200,000 more.