Hedi wants to accumulate $1,000,000 for her retirement account. She is currently 25 years old, wants to retire at 65, and her cash flow is such that she could allocate $300 a month towards her retirment. Which of the following statements makes the most sense for Hedi's situation?

		She should start later when has a higher salary and can save more because $300 a month is really to small an amount to save/invest.
		She should use the money to buy goods and services today because of inflation.
		She doesn't really need to worry about retirement now since she is so young.
		She should start now because the compounding rate of return she can earn over 40 years will make it easier for her to achieve her goals.