Excellent. Thanks Jari.
I remember a radio ad I heard often when I was growing up in Portland OR. The tagline line, spoken by a parrot was "pay yourself first".
That is the magic: donate to your investment fund first. Otherwise, if you decide to invest money from what's left after you pay your bills, you will find nothing remains.
Little by little, month by month, your investment amount and, hence, your reward will grow. And you, my friend, will be one of the lucky few who has insured a secure future and retirement.