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Most people think building wealth is about finding the perfect stock or ETF. It isn't. It's about giving your money more time to compound. The difference between starting your TFSA at 22 instead of 32 isn't just 10 years. It's roughly $2.6 million by age 65 (assuming the same annual contributions and long-term returns). That's the power of time in the market. When I moved to Canada as an international student, I didn't invest because I simply didn't know what a TFSA was. Looking back, I wish someone had explained this to me sooner. Today, my TFSA has become one of the biggest wealth-building tools I own—not because I picked the perfect investments, but because I invested consistently and let time do the heavy lifting. If you're waiting until you earn $100K, finish paying off every expense, or feel "ready," you're paying a hidden cost. Every year you delay is one less year your money gets to compound. Start with what you can. Even $100–200 per month is enough to begin building the habit. You can always increase your contributions as your income grows. The goal isn't to time the market. It's to maximize your time in the market. Save this post & follow @shivanshsingla119 #personalfinance #financialfreedom #canadapersonalfinance #canada #canada🇨🇦  reelsinstagram reelitfeelit reelkarofeelkaro