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Stop making these 4 excuses not to invest, says karenfinerman on CNBCTheExchange. Even putting $50 a month towards investing can make a big difference. investinyou (in partnership with Acorns.)

Learning to save money is, of course, a valuable life skill to have, yet it's not powerful enough on its own — not by a long shot.

Pick a very modest goal to start, say $50 a month , which is $1.67 a day. Many plans will take very small amounts of money with no additional fees for doing so. Albert Einstein reportedly called compounding"the most powerful force in the universe." Compounding means making money on the money you are investing. It's a beautiful thing.That's like saying,"when I am in good shape, I'll start to exercise." Start investing now. Develop that muscle and you'll want to keep flexing it. When you do start to earn more, you can add bigger chunks to your investments.

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