Retirement

Money doesn’t just sit still. When properly positioned, it grows sometimes slowly, sometimes exponentially. The difference between modest growth and life-changing wealth often comes down to two fundamental concepts: interest and compounding. Interest represents the cost of borrowing money or the reward for lending it. Compounding takes that concept further by reinvesting earnings to generate […]

Rule of 70 is a quick mental shortcut: years to double ≈ 70 ÷ growth rate (%). Use it to estimate when your investment, inflation erosion, or any steadily growing quantity will double. But it’s only an approximation. In this article, you’ll learn: If you prefer precision over a mental shortcut, scroll to the “Tools”

The 2026 max 401k contribution limit is $23,500 for employee deferrals, with an additional $7,500 catch-up contribution allowed for individuals age 50 and older. This brings the total potential contribution to $31,000 for eligible savers, while the combined employee-employer limit reaches $70,000 ($77,500 with catch-up contributions). Understanding these limits is critical for retirement planning. The

Retirement may feel like a distant goal when you’re 30 and earning $80,000 a year, but with the right strategy, financial independence is more achievable than most people think. The key lies in how much you save, how you invest, and how disciplined you are with your money choices over the next 25 years. In