Most people think investing is only about money. But time is just as powerful. The earlier planning starts, the greater the effect of compounding, and the less money is needed later to reach the same goals.

Think of two investors. One starts saving small amounts at age 25. The other waits until 40 and contributes much more. Over a lifetime, the early saver usually ends up ahead – not because of higher contributions, but because of time. Each rand has more years to grow, and growth builds on growth.

Time in the market is more powerful than timing the market. Headlines and short-term trends may tempt people to delay, but waiting is costly. A delayed start means future earnings have to carry more weight, savings must be larger, and the margin for error becomes smaller.

This is where planning shows its true value. A good financial plan balances both resources: money and time. It turns small, consistent contributions into meaningful results, and it uses time to multiply the impact. Advisors play a key role by mapping goals, setting realistic timelines, and helping investors stay disciplined when distractions arise.

The lesson is simple. Money matters, but time multiplies. When used together, they create freedom, choice and resilience. The best time to start planning was yesterday. The next best time is today.