​​ Who will retire sooner? Is it the person who has been putt | Retire at 35

​​ Who will retire sooner? Is it the person who has been putting aside $50 every month for the last 10 years or the person who has been saving up $500 every month for the last 3 years? Given that both investors continue to add the same amount to the portfolio for the next 10 years. Well, the answer is obvious.

And what happens if an investor intervenes in this battle of retirees by depositing $75,000 on his account at once and continuing to add $750 to his total savings monthly? Who would win then? The outcome is clear even to a fifth grader. But investors don't see this factor for some reason.

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