Future Earnings

• By earning a higher rate or return (10% vs. 5%), you made 328,166.50 Lt
• When you have a long time to save, you can afford to take more risk.
Want to be a Millionaire at 65?
• 78.01Lt per month
• or 2.30Lt a day.
• This is less than the cost of a pack of cigarettes a day or a box of chocolate.
• If you are 18, how much do you think you have to save?
But if you wait?
• You need to invest:
• At 25 258.13Lt per month
• At 35 442.38Lt per month
• At 45 1,316.88Lt per month
• Who will have more money when they retire,
•
• b) those who save $75 a month from age 28 until they are age 65?
•
• those who save 75Lt per month from age 18 to age 28 and then makes no additional payments or
•
The person who saves 75Lt per month from age 18 to 28 at 8% will have 236,626.41Lt, at retirement day
• The person who saves 75Lt per month from age 18 to 28 at 8% will have 236,626.41Lt, at retirement day
• The person who starts at age 28 and saves $75 per month until age 65 at 8% will have 203,730.02Lt, at retirement day
• Start Saving Early!!!!
WHERE DID I SPEND THAT MONEY?
• Item & Frequency Price Spent per Year
• Doughnut (1 per day) 0.70 255.50Lt
• Potato Chips (1 per day) 1.99 725.35Lt
• Cigarettes (1 per day) 3.99 1456.35Lt
• Some kind...

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