Same $50,000.
Four different lives.

Sam spends it. Maya saves it. Leo chases the hype. Nora does something boring. Change the numbers and watch how each story ends.

Your numbers

Starting money

Added every month Everyone adds the same amount. Sam spends it, of course.

Starting age

Years to fast-forward

Nora's index fund return Average per year. The S&P 500 has historically averaged around 10% before inflation. Not guaranteed.

Savings account rate

Inflation

Show results in

Invest this much of the starting money

Safe isn't always safeMoney sitting in savings can lose buying power when inflation is higher than the interest rate.

Hype has a second actLeo's peak looked amazing. What decided the ending was selling in the crash.

Time does the heavy liftingMost of Nora's growth happens in the last decade, without adding a single dollar.