Picking Time’s goals are to assist you in building wealth one or many dollars at a time, but really over time. It usually takes time to build wealth, good credit, good money discipline and habits. The earlier you start, the quicker you reap the benefits. And it is never too late to start, to receive almost instant benefit. For young people—in high school & college—you should start early, while you are young—caring about your bodily health and your financial health. There are some things your parents and teachers help you to avoid or help you do, before you reach adulthood, which will make your life so much better and less expensive to live. And even if something goes bad, you can at least handle the financial part, such as medical expenses, repairs, and other emergencies.