How much net return assumptions move the path.
🔢
Rule of 72
1
⌛
Time value of money
2
📈
Compound interest
3
Full ranking
1
🔢
Rule of 72Foundations
92
2
⌛
Time value of moneyFoundations
90
3
📈
Compound interestFoundations
88
4
💵
Cash renaissance (2020s)Now
88
5
🌡️
Nominal vs real returnsFoundations
86
6
🌍
Broad equity indexVehicles
85
7
🎛️
Contributions vs rate vs timeEngines
84
8
🧱
Bonds as ballastVehicles
82
9
🎢
Sequence of returns riskHorizons
80
10
🔥
FIRE variantsNow
80
11
♻️
ReinvestmentEngines
78
12
🏛️
Multi-decade & legacy horizonsHorizons
78
13
📉
Fee dragEngines
75
14
🏃
Late catch-up savingHorizons
75
15
⚖️
Opportunity costFoundations
70
16
🌱
Early start advantageHorizons
70
17
🏦
Cash & high-yield savingsVehicles
70
18
🧾
Tax dragEngines
65
19
😱
Panic sellingBehaviour
60
20
📅
Dollar-cost averagingEngines
55
21
📱
Auto-invest appsNow
55
22
🤝
Employer matchVehicles
50
23
🔁
Consistency as a habitBehaviour
45
24
🛒
Lifestyle creepBehaviour
35