@thejoehardy: Send this to a parent who wants to start early 📲 💰 Here’s the math behind it (10% a year): 1. $64,000 total goes in by age 18. 2. By 18, it’s grown to $171,319. 3. By 43, they’ve put in $139,000. 4. By 43, it’s worth $2.1million Nearly $2 million of that is growth. That’s what 25 extra years of compounding does. 1️⃣ Step 1: Open a custodial brokerage account. Or a 529 if it’s only for college. 2️⃣ Step 2: Set up $250 a month on autopay. Out of sight, out of reach. 3️⃣ Step 3: Pick a low-fee index fund. Fees eat compounding alive. 4️⃣ Step 4: Ask family for money, not toys. That’s where the $500 birthday comes from. The S&P 500 has averaged 10.1% annually over the last 30 years. Which step are you starting first? ❓ #GenerationalWealth #InvestingForKids #CompoundInterest #ParentingTips #PersonalFinance