The "Early Bird" Factor
	You would assume if you saved for thirty years you would accumulate more than someone
	who saved the same amount for only ten years.  But when those ten years are earlier, they can
	be powerful.  At 8 percent compounding, the "early bird" and "late bloomer" would accumulate:
		"Early Bird"			"Late Bloomer"
		Amount	Total Accumulated		Amount	Total Accumulated
	Year	Invested	(With Interest)		Invested	(With Interest)
	1	$           2,500	$                      2,700
	2	2,500	5,616
	3	2,500	8,765
	4	2,500	12,167
	5	2,500	15,840
	6	2,500	19,807
	7	2,500	24,092
	8	2,500	28,719
	9	2,500	33,716
	10	2,500	39,114
	11	-	42,243		$           2,500	$                        2,700
	12	-	45,622		2,500	5,616
	13	-	49,272		2,500	8,765
	14	-	53,214		2,500	12,167
	15	-	57,471		2,500	15,840
	16	-	62,069		2,500	19,807
	17	-	67,034		2,500	24,092
	18	-	72,397		2,500	28,719
	19	-	78,189		2,500	33,716
	20	-	84,444		2,500	39,114
	21	-	91,199		2,500	44,943
	22	-	98,495		2,500	51,238
	23	-	106,375		2,500	58,037
	24	-	114,885		2,500	65,380
	25	-	124,075		2,500	73,311
	26	-	134,001		2,500	81,876
	27	-	144,721		2,500	91,126
	28	-	156,299		2,500	101,116
	29	-	168,803		2,500	111,905
	30	-	182,307		2,500	123,557
	31	-	196,892		2,500	136,142
	32	-	212,643		2,500	149,733
	33	-	229,655		2,500	164,412
	34	-	248,027		2,500	180,265
	35	-	267,869		2,500	197,386
	36	-	289,299		2,500	215,877
	37	-	312,443		2,500	235,847
	38	-	337,438		2,500	257,415
	39	-	364,433		2,500	280,708
	40	-	393,588		2,500	305,865
	Note:  Investment is assumed to have been made at the beginning of the year.