They sure can but if you stick with it for a few years you start to really see it build up. I think that's what holds so many people back is the whole not being able to see yourself in 5 years from now and all the benefits the actions you do today will have for you in the longer form future. I also think for most it's hard to overcome because it's human nature to take care of yourself in the now and not so much in the future.
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True, a lot can happen in five years and many people just don't want to deal with that uncertainty. Still, having no plan for such a period puts us at the mercy of fate, which is so often unkind