I see a lot of value in investing early (I'm 27 now, which I suppose is still relatively early), but I'm having a hard time convincing my friends to invest in their future. I often hear from my friends that they don't have the money to invest at all, but my frustration comes from hearing that while we're at a bar or out to dinner. I try to explain to them that they could try not buying that extra drink or appetizer, saving maybe $10 monthly, and having $120 to invest at the end of the year. It's small, but it's a start and it adds up over a long period of time.
I guess my main struggle is getting my friends to understand why that small amount will matter in 30-40 years when they retire. I learned early on about the power of compound interest, but I feel like it's incredibly difficult to get people to care about something that is so distant.
What techniques or methods do you use to talk to your friends/family about investing for their future?