...ABSOLUTELY depends upon when that individual did X.
For example: If at some point I decide to save for retirement so that someday I'll have the FREEDOM to retire, then there are 2 things which determine the AMOUNT of freedom I'll have someday: When I BEGIN to save and what I DO with that savings.
I know for certain that I would heve more freedom today if I had invested in gold 10 years ago, because my investment would have more than quintipled.
That's why they say don't wait to buy gold - buy gold an wait.
"We have allowed our nation to be over-taxed, over-regulated, and overrun by bureaucrats. The founders would be ashamed of us for what we are putting up with."