How much net return assumptions move the path.
🔢
Rule of 72
1
💳
Debt payoff as return
2
⌛
Time value of money
3
Full ranking
1
🔢
Rule of 72Foundations
92
2
💳
Debt payoff as returnVehicles
92
3
⌛
Time value of moneyFoundations
90
4
✖️
Rule of 115Foundations
90
5
📈
Compound interestFoundations
88
6
💵
Cash renaissance (2020s)Now
88
7
🌡️
Nominal vs real returnsFoundations
86
8
🌍
Broad equity indexVehicles
85
9
🎛️
Contributions vs rate vs timeEngines
84
10
🔓
Safe withdrawal ratesHorizons
82
11
🧱
Bonds as ballastVehicles
82
12
🎢
Sequence of returns riskHorizons
80
13
🔥
FIRE variantsNow
80
14
♻️
ReinvestmentEngines
78
15
🏛️
Multi-decade & legacy horizonsHorizons
78
16
📉
Fee dragEngines
75
17
🏃
Late catch-up savingHorizons
75
18
🧓
Longevity riskHorizons
75
19
⚖️
Opportunity costFoundations
70
20
🌱
Early start advantageHorizons
70
21
🪣
Bucket strategyHorizons
70
22
🏦
Cash & high-yield savingsVehicles
70
23
🎯
Target-date fundsVehicles
70
24
🧾
Tax dragEngines
65
25
😱
Panic sellingBehaviour
60
26
🗓️
Capital gains timingEngines
58
27
📅
Dollar-cost averagingEngines
55
28
📱
Auto-invest appsNow
55
29
🤖
AI advice caveatsNow
55
30
🤝
Employer matchVehicles
50
31
🔁
Consistency as a habitBehaviour
45
32
🗂️
Mental accountingBehaviour
45
33
🛟
Emergency bufferVehicles
40
34
🍩
Present biasBehaviour
40
35
⚙️
Paycheck automationNow
40
36
🛒
Lifestyle creepBehaviour
35