Concepts You Need to Know
Compound interest
Earning interest on your interest. At 25, $100/month grows to $350k by 65 at 8%. At 35, the same effort yields $180k. Time doubles results.
Opportunity cost
Every dollar you spend has an invisible price: what it could have become if invested. A $40k car at 25 could be $580k by retirement.
Net worth
Assets minus liabilities. Your real financial score — not your salary, not your stuff.
Take Action Now
1
Open a high-yield savings account with 3 months of expenses.2
List all debts with interest rates. Attack the highest rate first.3
Set up automatic transfer to savings on payday.Want a personalized plan?
Connect with a licensed agent who can apply these concepts to your specific numbers.
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