At first blush, the individual savings seem too small to bother with.
Ask yourself if it's worth changing cable or home Internet providers, say, or cellphone providers, in order to save just $10 a month.
Many people couldn't be bothered. It's no surprise. Ten bucks doesn't sound like much.
But one of the key themes of this column is that combining recurrent savings with compound interest has explosive power. It's the atomic fission of finance.
Slashing just $10 from each month's costs and investing it, instead, adds up to quite a bundle over the course of an adult lifetime. Someone who did that over fifty years would have an extra $54,000 when they retired. Not bad.