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Wow, 8% is crazy to pass up. It's free money!
I wish I could find the exact numbers, but I read a study once about the effects of compounding interest over time and they took two people over a 30 year time frame starting in 1980. Person A started saving $10,000/year for 10 years invested in a market fund, then stopped completely. Person B waited 10 years then started putting $15,000/year in the same market fund for the next 20 years. After 30 years, Person A still had more money even though they invested less over half as many years.
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1992 968 Polar Silver
2010 Toyota Highlander SE
2006 Lexus LS430 ML
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