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URL:https://www.learndesk.us/class/6247818232594432/lesson/945a2325d6a0f9ef7e1cd654eb92aea9?ref=outlook-calendar
SUMMARY:Unit 4 - The Cost of Procrastination
DTSTART;TZID=America/Los_Angeles:20260405T190000
DTEND;TZID=America/Los_Angeles:20260405T200000
LOCATION:https://www.learndesk.us/class/6247818232594432/lesson/945a2325d6a0f9ef7e1cd654eb92aea9?ref=outlook-calendar
DESCRIPTION: 

Time is your number one ally or enemy
Procrastination example:

$458.33/month, $5,500/year, 10%, age 65 for retirement.
Start at age 35: $952,868 at age 65
Start at age 37: $11k less initially. Total retirement $777,327 at age 65
Cost of procrastination: $240/day.







Starting Earlier Example: Same investment annually;

$458.33/month, $5,500/year, 10%, age 62 for retirement.
Start at age 23 and only invest for 13 years through age 34. Put in $71,500 and stop. Total investment growth to $142,000 at age 34. Total investment growth at age 62: $2,048,822.


Delayed Start Example: Same investment annually;

$458.33/month, $5,500/year, 10%, age 62 for retirement.
Start at age 35 and contribute for 28 years, investing through age 62. Put in $154k, more than twice! Total investment growth at age 62: $777,328.
Let sums compound for an additional 5 years at 10% and values are $3.29M versus $1.25M.


The best lesson: “invest early, often and as much as you are able.”





https://www.learndesk.us/class/6247818232594432/lesson/945a2325d6a0f9ef7e1cd654eb92aea9?ref=outlook-calendar
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