_________ is key when it comes to compound growth.

Time is crucial when it comes to compound growth because it allows the interest earned on an investment to generate additional interest over time. The principle of compound growth relies on the accumulation of interest on both the initial principal and the interest that has already been added to it. The longer an investment can remain untouched and generate returns, the more pronounced the effects of compounding will be. This means that starting to invest early can significantly enhance the overall growth of savings and investments due to the exponential nature of compound interest.

In contrast, while factors like attitude, specific investment vehicles like a Roth IRA, and the amount of money invested do play a role in personal finance and investing, they do not have the same direct impact on the process of compounding as time does. Time serves as the framework within which compounding operates, making it the cornerstone of achieving substantial growth in investments over the long term.