부를 쌓는 전략: 복리 이자의 힘

### 순자산을 늘리세요: 복리의 힘과 전략적 저축의 힘
* 💰 "제가 지금부터 공유하고자 하는 내용은 여러분의 **피할 수 없는 부를 쌓는 여정의 기초**가 될 것입니다."
* 📈 부를 쌓으려면 **수입보다 적은 금액으로 생활**해야 하므로 절제력이 필요하고 재정적 여유가 생깁니다.
* ⏳ 부를 쌓는 데 있어 가장 가치 있는 자원은 **시간**이며, 절제된 저축과 결합하면 상당한 재정적 성장으로 이어집니다.
* 💵 복리 이자를 통해 돈을 벌면 시간이 지남에 따라 **수익이 추가 수익을 창출하는 사이클**이 만들어집니다.
* 📊 예를 들어 **100달러를 투자하면 1년 안에 110달러로 늘어날 수 있으며**, 이후 이자는 새로운 총액에 대해 계산되어 성장 속도가 빨라집니다.
* 💡 첫 10만 달러를 달성하는 것은 매우 중요한데, **Roth IRA에 매년 7,000달러를 투자하여 10년 만에 이 목표에 도달한 돌연변이 매니의 사례**에서 알 수 있듯이 매우 중요한 일입니다.
* 🔍 **10만 달러에서 20만 달러까지 도달하는 데는 5.4년, 20만 달러에서 30만 달러까지 도달하는 데는 3.7년**밖에 걸리지 않아 복리의 마법을 보여줬습니다.
* 💪 특히 20대 이후부터 소득의 **25% 이상을 저축하고 투자**하면 부를 쌓는 여정을 크게 향상시킬 수 있습니다.

복리 이자는 작은 투자금을 시간이 지남에 따라 큰 부로 바꿔줍니다.

doing this will skyrocket your net worth. What I'm about to share will be foundational towards your inevitable wealth-building journey. Every time I run the numbers, it blows my mind. You know what else blows my mind? How many of you guys are not subscribed. So make that happen right now and turn on those notifications. Let's jump right in. I tell you guys all the time, respect the three ingredients to wealth building. First, you have to live on less than you make. That requires discipline. That discipline does create margin, which results in money. That money, if you give it the most valuable resource of the three ingredients, time, you will build your inevitable wealth and success. So let's talk about the concept of compounding interest. Compounding interest is when your money that's invested makes money, and then guess what? With enough time, that money makes money on that money, on top of the other money. Yeah, and that'll lead you to another clue. So you can see how very quickly this adds as it builds upon itself. Here's an example. Say you invest $100 in

a year it turns into $110. Fast forward, you make another 10%. You don't make it on the original $100; you make it on $110 plus the now the new interest. You quickly see how this thing continues to build upon itself as the numbers get bigger. Numbers are going to do what numbers do, and some amazing exciting things start happening. There's a reason everybody in finance tells you, Hey, you got to get to your first $100,000. Even the great late Charlie Munger says, You got to do it. Find a way to get your hands on $100,000. I'll add on the exclamation point of do it as fast as you can. But why $100,000? What's so special about that first $100,000? Let's do a case study with our favorite Financial mutant, that's Manny the mutant. Here's what Manny does. He does what all of you should consider doing. He opens up a Roth IRA. Not only does he open up a Roth IRA, he fully funds his Roth IRA at $7,000 a year. He

does this by setting up a monthly investment of $583 a month. He makes an average rate of return of 8%. Look, we didn't go crazy here. We could have done even higher, but we chose a moderate 8%. But look what happens on this journey to $100,000. You can see he's steadily making his contributions every month, and even with that great behavior, it's going to take him just under 10 years to reach the first $100,000. So, here's the question: how long is it going to take him to get to the next $100,000, to get to $200,000? And surprisingly, it's almost half, only 5.4 years. 200,000 to 300,000, even faster, 3.7 years. But here's the magic of compounding interest. What took him almost 10 years to get to the first $100,000, the journey from 500,000 to the first million is only going to take 7.8 years. Do you see what he did fivefold in

2 years less. That's the power of compounding growth and letting your money work as hard and even harder than you can. If you think 9.6 years is too slow, guess what? You can control that by investing even more. And this is why if you want to know how much you should save, go to money.com resources, and we have a resource on what 25% can do for you because that is the number we think you should be actually saving and investing. I understand in your 20s this is aspirational, but 30s and beyond, you really need to be committed to making this happen. Guys, let us continue to love on you. Go to money.com resources, get tons of free content, and we're going to be your co-partner partners on figuring out how do we get you to your first million. [Music]

Doing This Will SKYROCKET Your Net Worth

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순자산을 늘리기 위한 주요 단계

수입보다 적은 금액으로 생활하는 것은 부를 쌓는 데 매우 중요하며, 재정적 여유를 만들기 위해서는 절제력이 필요합니다.

복리 이자는 투자한 돈이 시간이 지남에 따라 돈을 벌기 때문에 자산 축적에 중요한 역할을 합니다.

첫 10만 달러는 자산 형성에 있어 중요한 이정표이며, Roth IRA에 전액 적립하는 것은 재정적 성장을 달성하기 위한 현명한 전략이 될 수 있습니다.

월 583달러를 평균 수익률 8%로 투자하면 첫 번째 10만 달러에 도달하는 데 10년이 조금 안 걸립니다.

그 다음 10만 달러에서 20만 달러까지는 5.

4년, 20만 달러에서 30만 달러까지는 3.

50만 달러에서 100만 달러까지는 단 7.

8년 만에 달성할 수 있어 복리의 마법을 실감할 수 있습니다.

복리 성장은 재무 목표에 도달하는 데 걸리는 시간을 크게 단축할 수 있으며, 더 많이 투자하는 것이 핵심 요소입니다.

특히 30대 이후에는 소득의 25%를 저축하고 투자하는 것이 좋습니다.

com은 개인이 첫 백만 달러를 달성하는 데 도움이 되는 무료 리소스를 제공합니다.