If you pay attention to what financial experts at http://money.cnn.com say over and over again, you’ll hear the same thing: compounding interest this, and compounding interest that. Compounding happens when your earnings from investments are reinvested, where they subsequently earn more interest, and so on. The thing about compounding that has to be remembered is, it takes time. The other key is, you have to get started as soon as possible so you have the time it takes. The longer you put off investing, the less of an opportunity you will have to grow your money through compounding interest.