There's a question we've heard being asked more times than we can count and it's a question we've asked in the past as well. "Is it too late for me to start?" Too late to start investing. Too late to understand pensions. Too late to negotiate the salary they deserved three years ago. Too late to admit we don't actually know what an ETF is, even though we've been nodding along in conversations about ETFs for years. The answer, every single time, is the same:  No. You are never