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Someone’s sitting in the shade today because someone planted a tree a long time ago. Warren Buffet

Over the last few decades, I have grown to love flower gardening. Something you realize if you spend a lot of time with flowers is that you can spend a lot of money making your garden grow. However, if you start early, you can achieve the same results at a fraction of the cost.

If you start with seeds, you pay pennies compared to what you pay for the same plant in the multipack starter containers. If you plant the multipack starter containers, you save more than double what it would cost for the quart plants. If you purchase a well-established, full-grown plant, you may pay a multiple of 40 times or more the cost of seeds. In the end, no matter what you start with, you can end up with the same quality plant.

So back to Warren Buffet’s quote, he is shouting out the reality that over time, your money can do big things if you start early enough and allow it to grow over time.

About 25 years ago when my children were both very young, I remember pondering whether I should bother contributing a small amount to the retirement plan where I worked. Times were tight and I knew I could purchase a few comfort items if I used that money then rather than saving for retirement. However, I went ahead and bit the bullet and saved the small amount I could. I only worked at that employer for two years, and made minor contributions, but today, there is enough in that account to fund a full year of living for me in retirement. It is one of my shade trees!

How many trees have you planted? Are you planting seedlings now or are you waiting to plant trees of substantial girth later in your life. Which is easier and why? If you need a financial coach to help you do the tough things now that will make your future brighter, please reach out and let's see what we can accomplish to allow you to sit in the shade!

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