Compounding. 

Most have heard it's the 8th wonder. It's essentially utilizing time effectively to grow. Though, evidently, many seem to ignore it for they forgo even starting. I'd say starting (ASAP) is truly important for it to take effect. 

The most common use of the word "compounding" in everyday conversations is in reference to investing (thank you robo-advising ads from Wealth<Enter Minimalist/Innovative Lingo Here>). Obviously, to start investing one must first save. 

"No shit Sherlock!"

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