Compounding interest is very powerful. If you learn and practice to use the power of compound interest, then your investment will grow larger. So, it may create wealth with just require some time and dedication only.
Imagine that you are 20 years old now and you place RM100 every month in an account that earn you 2% annual interest. In just 5 years when you reach 25, you will have RM 6415.24 in your bank account which you can use as a down payment for your first car.
If you decide not to use the money in 5 years time but continue to save RM100 every month for 15 years, you will have RM 21106.25 when you are 35 years old. You may then use this as an initial deposit towards your first property investment worth RM250,000 perhaps.