Save through time

Financial advisors stress "time in" the market rather than "timing" the market.  It is more important to have assets in the market for a long period of time than it is to pick specific entry and exit points.  The more time in, the more compounding can expand wealth.

This implies that savers of all ages should save through time.  This is self-evident but hard to put into practice.  How many young people have heard an older person say,"I wish I was young again," or "You're lucky you have your whole life ahead of you."  The days/weeks/months/years of your life are passing by and will continue to do so.

Saving is appropriate for each time period.