Investing: Don't waste your 30's

Observations and comments:

• It's not easy to make 8% year after year in investments. I don't think I've done it! The best bet would be the mother of all ETFs, SPY which invests in the S&P 500
• Presumptions in the above calculation (using the FV (Future Value) function of Excel): 
• Starting with $ 0.
• Investing monthly
• Target of $ 1,000,000 at retirement
• Delaying start by a decade really hurts!