The math of compounding is brutal when you're starting late.
At 8% annualized:
• 30 years → $8,100/year gets you to $1M
• 20 years → $20,400/year
• 10 years → $66,000/year
• Today → inherit it
This is why I've always told clients: time in the market beats timing. The earlier you start, the less capital you need. Waiting a decade doesn't just cost you 10 years — it triples your required annual contribution.
Compounding works, but only if you give it runway. Start now, stay disciplined, let the math do the heavy lifting.
At 8% annualized:
• 30 years → $8,100/year gets you to $1M
• 20 years → $20,400/year
• 10 years → $66,000/year
• Today → inherit it
This is why I've always told clients: time in the market beats timing. The earlier you start, the less capital you need. Waiting a decade doesn't just cost you 10 years — it triples your required annual contribution.
Compounding works, but only if you give it runway. Start now, stay disciplined, let the math do the heavy lifting.