Transcription: When it comes to money, time is not so flexible. If you want to reach your goals, the sooner you start saving and investing, the faster your money may grow. Use this worksheet to see what you need to invest over time to reach your goals. However, don't automatically invest money with the choice that provides the highest current return potential. Higher returns usually come with higher risks, so make sure you are prepared to assume these risks to reap the potential rewards.