That's true, and an important point: if you expect your personal earning power to grow at a rate far greater than 8%, then investing your principal now will hav

That's true, and an important point: if you expect your personal earning power to grow at a rate far greater than 8%, then investing your principal now will have little effect one way or the other. But investing later will, so it's good to be prepared with the right strategy for you (whatever that is).