@jacobdoesmoney2: Same $500/month. Same fund. 15 years apart. Start at 25 → $3.16M by 65 ($240K invested) Start at 40 → $663K by 65 ($150K invested) The wild part: the early starter could quit at 40 — $90K in, never deposit again — and still retire with $2.5M. Triple the late starter, on $60K less. You can't out-deposit a head start. Math for the skeptics: 10% annual (long-run S&P average — VOO's actual 10-year CAGR is 14.8%, so this is the conservative case), compounded monthly, not inflation-adjusted. Not advice — I just show the math and my real portfolio. What age did you start? 👇 #investing #compoundinterest #voo #sp500 #PersonalFinance

Jacob | Investing | Marine Vet
Jacob | Investing | Marine Vet
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Friday 03 July 2026 21:59:24 GMT
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_t0rr3sm0
_t0rr3sm0 :
where did you get steady 500/month for all those years?
2026-07-05 17:44:00
12
salsch85
salsch85 :
Well I’ve started at 40…better late than never.
2026-07-04 18:01:15
60
jacobdoesmoney2
Jacob | Investing | Marine Vet :
I started at 25. When did you start?
2026-07-03 22:12:30
3
captain_fried
captain_fried :
nah fuh it im starting at 14
2026-07-05 22:22:00
2
musthavefinds9217
Modern Man Wisdom :
lmao I started 21😂I've been using Dapital for a few weeks. It's been okay for what I need but I'm curious if there are any alternatives people prefer.
2026-07-10 08:43:02
0
doggo.jpg
Huntrix :
It's gonna be so awesome having $3 million in potentially 10 more years left of life to live. Honestly, like does everybody forget that we're gonna die? You cant take your money with you.
2026-07-05 07:00:50
5
the205carguy
the205carguy :
Best to to start is 20. 2nd best time is today
2026-07-13 18:31:25
4
ricksanchez07
Rick :
Add some vgt
2026-07-03 22:20:13
0
0nanamom0
Nana :
Don’t compare yourself to a 25-year-old boy. Focus on your future and begin now, even if you are 50 or 60 years old; just because he is younger and started earlier does not mean he can live until 90. 5-10 years will always be better than nothing. 👍
2026-07-08 15:20:02
1
tezee81
tezee81 :
So what about 1000 at 45? Since 25 was waisted
2026-07-05 07:53:01
0
tristan0987654
Tristan :
I started at 18 now 22 currently at 46k
2026-07-06 22:09:30
1
celaya0705
Edgar Celaya :
hiw are you starting with 38k thought you said 500
2026-07-05 22:49:27
0
alpinef82x
alpinef82x :
what if you’re 24 investing $5500 a month into voo
2026-07-04 01:45:29
4
dumbaquarian101
Rebecca hoogerhyde :
I’m 19 should I start before I turn 20?
2026-07-07 20:49:46
0
superway26
Geeter :
10% a year is pretty optimistic. 7% is more realistic.
2026-07-05 22:32:44
3
brigham223
brigham223 :
Taxes will take half
2026-07-08 01:35:57
0
komkatlive
komkat :
i started at 27 I think. was lazy with index funds but still at 275k at age 39 now im investing 3k a month. getting way more aggressive now with no gf or kids and less expenses
2026-07-04 20:32:44
0
jaded_code
jaded_code :
it's better to actually prepare that to never prepare
2026-07-05 02:19:42
0
htown7808
Htown808 :
Started @ 16 currently abt to be 21 in a month and portfolio is 30k
2026-08-17 19:42:05
0
purrfoliotracker
purrfoliotracker :
Started at 25, 32 now with 125k
2026-07-05 11:57:27
0
here_to_make_you_mad__
here_to_make_you_mad :
Most 25 and 30 year olds don't have an extra 6k a year to do this.
2026-07-06 23:47:18
0
cr8zyhick
Cr8zyHick :
@nat_rose83 tell raq to get started now
2026-07-06 18:19:39
1
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