It's Time to Spread the World About the Fundamental Truths of Wealth-Building

Take 100 young Americans starting out at age 25. By age 65, one will be rich, four will be financially independent, and the remaining 95 will reach retirement unable to sustain the lifestyle to which they have become accustomed.
                 - The Bogleheads Guide to Investing

 Did you know that seniors aged 65 to 69—past the standard retirement age—are now more likely to hold jobs than teenagers?

Some of us would love to keep working into our late 60s (I do!) but here's the key: I want it to be my choice.

Don't you?

What separates those who work because they want to from those who work because they have to?

I believe it comes down to access to financial literacy early in life.

The timeless truth stands tall when it comes to money management: the earlier you start (learning, engaging, saving, investing), the greater your chances of success.

Compounding, the 8th wonder of the world, according to Albert Einstein, rewards early savers. Consider this:

- If you save $100 per month, starting at 25, until you turn 70, earning a 7% return you'd have close to $1,700,000
- Start at 35 and that number drops to $785,000
- Wait until 45? You'll end up with $350,000

It's about when you start and how consistently you save.

The choices you make with the money you earn—spending, saving, and investing—are what truly determine your financial future.

This applies not just to savings but also to habits. Financial independence is built on consistent, intentional behaviors, like:

- Living below your means
- Avoiding high-interest debt
- Investing for the long-term 

 If 95% of people are failing to achieve financial independence by retirement, it's time to spread the word about the fundamental truths of wealth building.

Here's a roadmap to joining the top 5%:

- Avoid high-interest debt. It's a wealth killer.
- Start investing early. Low-cost, diversified index funds are a smart choice.
- Save and invest consistently. Aiming for 10% of your earnings is a great target.
- Maximize tax-advantaged accounts. Take full advantage of 401(k)s, IRAs, and other retirement savings options.
- Protect your credit score. Good credit ensures access to opportunities and lower borrowing costs.

Where Will You Be at 65?

Will you be among the 95% struggling to maintain your lifestyle—or one of the 5% who achieve financial independence?

The difference begins now, with knowledge and action.

Which path will you choose?

Helpful Resources:
My favorite investing platform.
My favorite roboadvisor.
My favorite source for high yield savings accounts (or information on rates of any kind).

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