How much unused years change outcomes.
🌱
Early start advantage
1
📈
Compound interest
2
🏛️
Multi-decade & legacy horizons
3
Full ranking
1
🌱
Early start advantageHorizons
98
2
📈
Compound interestFoundations
96
3
🏛️
Multi-decade & legacy horizonsHorizons
95
4
⌛
Time value of moneyFoundations
94
5
🎢
Sequence of returns riskHorizons
92
6
🎛️
Contributions vs rate vs timeEngines
90
7
🌍
Broad equity indexVehicles
90
8
🔥
FIRE variantsNow
90
9
🔢
Rule of 72Foundations
88
10
🏃
Late catch-up savingHorizons
88
11
😱
Panic sellingBehaviour
88
12
📉
Fee dragEngines
85
13
🔁
Consistency as a habitBehaviour
85
14
🌡️
Nominal vs real returnsFoundations
82
15
♻️
ReinvestmentEngines
80
16
⚖️
Opportunity costFoundations
78
17
🤝
Employer matchVehicles
75
18
📅
Dollar-cost averagingEngines
72
19
🧾
Tax dragEngines
70
20
🛒
Lifestyle creepBehaviour
70
21
📱
Auto-invest appsNow
65
22
🧱
Bonds as ballastVehicles
60
23
💵
Cash renaissance (2020s)Now
55
24
🏦
Cash & high-yield savingsVehicles
40