It always pays to start sooner rather than later with this program. On average, one's next mortgage payment of $X,XXX made this month will only have 4% of that payment go towards the principal (amount owed). So when that check is written - all that money is lost! Multiply that loss by however long one wishes to wait before moving forward - and that will show the TRUE COST of waiting to implement this program. The first month using this system will pally ~800% more money towards the principal.