지속적인 절약과 복합 성장의 힘

### 저축과 조기 투자의 힘: 부의 축적에 관한 사례 연구
* 💰 마로 씨는 학생들에게 은퇴 후 백만장자가 되기 위해 **매달 100달러씩 저축하고 투자**하라고 조언하며 복리 성장의 힘을 공유했습니다.
* 🚶 ↪f_200D↩♂️ **적은 금액이라도 첫 걸음을 내딛는 것만으로도** 삶의 다양한 측면에서 의미 있는 변화를 위한 모멘텀을 만들 수 있습니다.
* 🐿 사례 연구에 따르면 **Alvin은 20세부터 30세까지 매달 500달러를 저축**했고, **Simon은 30세부터 매달 500달러를 저축하기 시작**하여 60세까지 계속했으며, **Theodore는 20세부터 매달 500달러를 꾸준히 저축**했습니다.
* 📈 10년간 6만 달러만 투자한 앨빈은 은퇴 포트폴리오 가치의 **94%가 성장**으로 인해 발생했으며, 결국 **100만 달러가 넘는 자산**을 보유하게 되었습니다.
* ⏳ 시간은 부를 쌓는 데 있어 가장 강력한 요소이므로 **일찍 시작하고 꾸준히 노력**하는 것이 중요합니다.
* 🐿 앨빈보다 3배 더 많이 저축한 사이먼은 늦게 시작한 탓에 **은퇴 시 745,000달러의 자산**을 갖게 되었습니다.
* 🚀 24만 달러로 가장 많이 투자한 꾸준한 저축자인 테오도르의 경우 **은퇴 시점에 포트폴리오가 1,175만 달러로 증가**했습니다.
* 📅 핵심 요점은 가능한 한 빨리 투자를 시작하고, 아무리 작은 것이라도 **오늘 당장 실천**하며, 부를 쌓는 과정을 자동화하여 일관되고 불가피하게 만들라는 것입니다.

마리오 씨의 조언대로 한 달에 100달러를 저축하면 시간이 지남에 따라 상당한 자산 증식으로 이어질 수 있습니다.

[Music] all right Bron let's jump into the first one. This one is decision number one. I'm going to give you credit for this one although I had a similar experience. You said saving $100 a month. What's the story there? What was the decision that was made? Oh Mr. Maro in that economics class wasn't even part of the curriculum but Mr. Mario walked in one day and I don't know if this was out of financial his own Financial regret or if he just learned the power of compounding growth but he walked in one day and said guys if every one of you would just save and invest $100 a month you'd be a millionaire by the time you retired and I remember going whoa what are you talking about and you guys know we have a wealth multiplier if you go to money.com resources that will show you exactly what every dollar in your army of dollar bills has the potential to become and that's exactly what Mr. Mar was talking about $100 a month really

can change your life. Well, I think when you and I were talking, pretty sure you said, Here's the reason why this was so big. What this did for me is it got me started. It got me to make that first step. And that's so true about a lot of things in our lives. If we want to see meaningful change, whether it's working out or paying off debt, or some task that maybe you don't want to do, if you can just make that first small step, if you can make that first inch forward, it's amazing how you can build up momentum. And for you on your wealth-building journey, it was recognizing that first $100. It got you started moving in that direction. It's almost like if you can give me a little bit, just a little bit of discipline, a little bit of today, you can have that great big beautiful tomorrow. And we have a case study to kind of highlight this. Yeah, so let's think about three different savers. Let's think about Alvin, who's the go-getter. Let's think

about Simon who's the Late Bloomer, and then let's think about Theodore, the consistent. Okay, give everybody a moment to process those names because when we were doing show prep, I was like, guys, don't go through this slide too fast because I had too many positive things flood my mind. Okay, now we can go through the case study. All right, so Alvin, he's the go-getter. He decides he's going to invest from ages 20 to 30. He's going to invest $500 every month from the time he turns 20 till the time he turns 30, and then he's going to stop. Well, then you're G to have Simon, the late bloomer, and he says, you know what, I'm going to enjoy my 20s, and I'm not going to start saving until I'm 30, but I'm going to do it all the way until I'm 60. So I'm going to save for a nice long time. And then there's Theodore who says, you know what, I could probably do both of those. What

does it look like if I start at 20, and I just keep saving. And these three, they do not save more, they save the same dollar amount every single month for their entire savings career. Well, how does this actually play out? Well, if we look at Alvin, you can see that over his lifetime he only invested $60,000, and he only did it for 10 years. $500 a month for 10 years, $60,000, but by the time he got to retirement, when he got out into his 60s, his portfolio was worth over $1 million. Hey, before you kind of start showing, comparing, and contrasting, I want people to notice a very beautiful thing about compounding growth. Do you realize when you see $60,000 could turn into a million dollars, seven figures of wealth? 94% of that is going to come from just the growth in the account, not your contributions, those were the starting point, but the building upon itself. 94% of the account value is actually the

growth that's powerful stuff. So if Alvin looked that good, surely Simon has looked better 'cause he saves so much more money. Remember, he started saving at 30 all the way out to late 60. Well, here's what Simon did. Simon actually invested a total of $180,000. That's three times more than Alvin. But when he got to retirement, when he got to financial Independence, his portfolio was only, air quotes, worth $745,000. So he saved three times as much but ended up with a quarter of a million less. It's almost like when I talked about the three ingredients to wealth building. When we talk about the discipline that actually creates the margin that leads to having the money, that's the second ingredient. The most powerful of the three ingredients though is time. Time is your friend. That's why do not sleep on the wealth multiplier money.com resources. You can see what a dollar can become for you. But Bo, wait, there's more. Let's check out Theodore. What did Theodore do? He started saving at 20 and saved all the way out until

age 160. And what you can see is that Theodore invested the most. He invested $240,000. But he was consistent. So, by the time he got to retirement, his portfolio is worth $11.75 million. Almost a multi-millionaire by only saving $500 a month. So, if you can figure this out early and you can start early and you can be consistent, the future is yours. You can be like Theodore. So, let's summarize this case study and talk about what you can do if you apply this to your financial life. The first thing is the best time to invest was, of course, yesterday or last year. But you know what the next best time is? Right now, today. Give me a little bit of today for that Great Big Beautiful Tomorrow. Do something today. I love it. That's exactly the second point. Just do something. Maybe you can't save 25% like we say. Maybe you can't even max out your Roth IRA yet. But I bet you can invest $20 or $50 or $100.

a month. And just doing something will start that snowball rolling down the hill to give you the need momentum to turn into a financial mutant. So just do something and do it today. And then I love cuz this is what Theodore really maximized always be buying if you can automate the wealth building process you actually create an inevitable wealth opportunity. If you can make the easy habits or the good habits, I should say, as easy as possible, that is going to make this even more consistent and possible and probable for you as a financial mutant.

Why Saving $100 a Month Changed My Life (And Can Change Yours, Too!)

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한 달에 100달러를 저축하라는 마리오 씨의 조언은 복리 성장의 힘을 통해 백만장자가 될 수 있습니다.

저축과 투자의 첫걸음을 내딛는 것은 재정 여정에서 의미 있는 변화를 위한 모멘텀을 만들 수 있습니다.

이 전략은 오늘 약간의 규율이 어떻게 재정적으로 안전한 내일로 이어질 수 있는지 보여줍니다.

앨빈은 20세부터 30세까지 매달 500달러를 투자한 후 중단했지만 은퇴할 때까지 포트폴리오의 94%가 성장하여 100만 달러가 넘는 자산을 보유하게 됩니다.

Simon은 30세부터 매달 500달러씩 60세까지 저축을 시작했고, Theodore는 20세부터 같은 금액을 계속 저축하여 각각 다른 투자 결과를 얻었습니다.

시간 경과에 따른 저축과 투자의 영향

사이먼은 앨빈보다 3배나 더 많이 저축했지만 은퇴할 때 4분의 1의 돈만 가지고 있어 부를 쌓는 데 있어 시간의 힘을 강조했습니다.

일찍부터 저축을 시작하고 꾸준히 저축한 테오도르는 한 달에 500달러만 저축하여 수백만 달러의 부자가 되었습니다.

여기서 중요한 점은 가능한 한 빨리 투자를 시작하고 적은 금액이라도 꾸준히 실천해야 한다는 것입니다.

행동을 취하는 것이 재정적 성장 과정을 시작하는 열쇠입니다.

부를 쌓는 과정을 자동화하면 필연적으로 기회가 생길 수 있습니다.

좋은 습관을 가능한 한 쉽게 만들면 재정적으로 성공할 수 있는 일관성과 확률이 높아집니다.