Sound like broken Word Repeater!
The road to FI, FIRE or Semi or Full Retirement is NOT just based on our investing skills and starting as early as possible. How much capital we can inject periodically always matter!
When you look at Uncle8888’s investment portfolio after 21 years without a single cent of capital injection since inception of investment portfolio in Jan 2000. It is flat! He was kiasi since 2000 as he thought that as single household income with five mouths to feed; he could not afford to lose any more money down the road as household expenses were expected to increase and retrenchment was always few years ahead of him! Sigh!