Chapter 02 · Grow
Time — Compounding — PatienceRetirement is a number, not a feeling.
How much should you have invested by the day you stop working — and what does a steady contribution actually grow into? Watch the sky as you scroll — every step sends a gold coin streaking down through the night. This is the longest chapter, because time is the whole point.
01The start
Start where you are
Time is the only input you can't buy back. Whatever you have today — even nothing yet — is the right starting point, because compounding pays for years in the game, not dollars in the account.
02The bend
Time does the heavy lifting
An extra $25 a week rarely changes a life today. Compounded for 30 years at 6%, it's over $100,000. That's where the curve bends — your money starting to earn its own money.
03The dip
Stay the course
The climb has a dip — markets always do. The plan that survives it wins: keep fees and taxes low, keep contributions automatic, and let the dip pass. The projector below runs all of it with your numbers.
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Next · Chapter 03Protect — making sure it survives a bad day.→