<prompt> Human: Recently I have been looking into my personal finances and my financial situation much more seriously than I used to, and I often see the advice to start investing as soon as possible because of compound interest. There is no logical flaw in the idea of compound interest of course, but the issue I have with the advice and the way its being pushed to start investing as soon as possible is that it seems to overshadow the fact that investing is quite complicated especially when youre young, ignorant, and still poor. I think emphasizing to invest ASAP is pushing young people to make stupid decision with the little money they have.Maybe this is just me being frustrated and unable to find a good way to start improving my finances, but I wanted to hear your thoughts on this, because the advice invest when youre 18 be a millionaire when youre 60 just doesnt add up for me.  <response>: It doesnt take more than a days reading to get set up for lifelong investing. With target date funds, its not hard.And you do kinda need around 1 million to retire comfortably at 60. 