Thinking about investing? Maybe wait until around 40 years old to make a move. This doesn't mean young people can't get involved, but the reality is right there — before 40, whether in terms of vision or life experience, there's still a lot to learn. What's even more sobering is the issue of principal, which is the key. Recklessly messing around in youth often results in nothing gained; without any savings, the road to investing will naturally be difficult.

Look at how Buffett does it. This legendary investor earned 96% of his wealth after the age of 65. In other words, his true explosion of wealth happened in the second half of his life. So don't rush; the twenty years from 40 to 60 are the golden window for wealth accumulation. Spend the first 40 years honestly building your principal and honing your skills — the time will come when it's the right moment.