The first years of man must make provision for the last.

What you build early is what the later part of your life gets to spend. That applies to money, but it applies as much to a body you have looked after, work that has meaning without an office attached, and friendships kept warm across decades. None of these can be assembled quickly at the end. They only accumulate, which means the deposits have to start while they feel unnecessary.

Choose one of those accounts and make a deposit this week that costs you little now. A payment, a walk, a phone call to someone you have not rung in a year. Small and early beats large and late.