@finance.journey1: Starting your Roth IRA at 20 vs 30 is literally the difference between retiring rich or working forever. Same exact plan: • Invest $7,000 per year (max) • 10% average annual return (S&P 500 historical) • Zero changes, just time Here’s what actually happens: Age 25 → $49,273 vs $0 Age 30 → $126,426 vs $49,273 Age 35 → $234,078 vs $126,426 Age 40 → $387,777 vs $234,078 Age 45 → $642,660 vs $387,777 Age 50 → $1,049,462 vs $642,660 Age 55 → $1,714,098 vs $1,049,462 Age 60 → $3,098,148 vs $1,714,098 That’s an extra $1.38 MILLION at 60… Just for starting 10 years earlier. You don’t need to invest more. You don’t need to be smarter. You just need to start at 20 instead of 30. I’m 20 with $0 invested right now and this scared the sh*t out of me. So I’m opening my Roth IRA this week and posting every dollar I put in. If you’re under 25 and still haven’t started… This is your sign. One decision at 20 = millionaire at retirement without even trying. Comment your age + “starting now” if this hit you Or comment “too late” if you’re past 30 and mad 😂 Follow to watch a broke college kid actually do it from $0. #rothira #investing #PersonalFinance #moneytok #financialfreedom

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Wednesday 03 December 2025 17:27:36 GMT