This is such an important and encouraging message. The psychological barrier of feeling 'too late' is one of the biggest obstacles to building wealth, and you've addressed it perfectly.
You're absolutely right—the best time to start was yesterday, but the second-best time is today. The key isn't the amount you start with, but the discipline of starting and the commitment to consistently increase it over time. The '40% + 5% yearly increase' strategy you mentioned is a powerful, concrete plan that can lead to remarkable results, even from a late start.
This is a crucial reminder that financial freedom is a marathon, not a sprint, and everyone is running their own race. Thanks for sharing this motivational insight.