45% of people with $1,000+ saved won't invest any of it this year (YouGov, 2026).

SoFi3 hours ago1:13

The top reason: they don't think they can afford it. If you’re still building an emergency fund, that is the right call. But waiting does have a price. Per the SEC, saving $500K by 65 takes $209/month if you start at 25, and $441/month if you start at 35, assuming a 7% average annual return rate. Starting small beats starting late. Here are two places you could begin. SoFi can’t guarantee future financial performance, and past performance is no indication of future success About SoFi®: A finance company that could help you get ahead. Get Your Money Right® with SoFi. Connect with SoFi: Subscribe to SoFi on YouTube: https://www.youtube.com/channel/UCuoYE0bfkZCwaspBVQ59jfQ?view_as=subscriber?sub_confirmation=1 Like SoFi on Facebook: https://www.facebook.com/SoFi/ Follow SoFi on Twitter: https://twitter.com/SoFi Follow SoFi on Instagram: https://www.instagram.com/sofi/ Follow SoFi on LinkedIn: https://www.linkedin.com/company/sofi/

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45% of people with $1,000+ saved won't invest any of it this year (YouGov, 2026). | PiQ Markets