There is an article from Money magazine, that details twin brothers.....
Brother one, invests $2k in a Roth IRA for 10 years starting at age 20. He stops investing after 10 years.
Brother two, invests $2k. In a Roth. IRA, starting at age 30 and continues until age 62.
Who has more money at Age 62?
Remember: time is your friend, brother one has more.
Invest now, play later. To many people are living for today and not using the advantage of time compounding interest. I invested all I could until I was 35, it paid off. Don't get caught up in the catch up game. If you don't have money to spare, just do the max you can in a IRA. Once you have some extra cash, then take some chances. The formula is not magic or get rich quick, but solid.