There are 3 things to understand about investing if you want to make money in the stock market

— a retirement account where your savings grow tax-free — for four years and then stops, and a 25-year-old who puts away $1,000 until age 28 and stops.

Assuming a 7% annual rate of return, the early saver will have nearly twice as much money saved by age 65 as the late saver, with no extra effort whatsoever. Even if the late saver continued putting away that same amount until age 30, they'd still come up short.The best way to maximize earnings is to keep saving and investing consistently, but the idea remains: The more time your money has to grow, the more you'll likely end up with.

Still, the rate at which your money grows is completely out of your control. That's the nature of the stock market —Ultimately, you're doing well if your investment outpaces inflation, which won't happen if your money is shored up in a bank account with low interest rates. To minimize risk,

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