Starting Early

Saving Consistently

Consistently Increasing Your Savings 

Now put some numbers behind the chart below. Suppose someone saves an extra $7,500 a year starting in their early 30s and invests it steadily. 

At a conservative 6 to 7 percent return, that alone compounds into roughly $600,000 to $700,000 over 30 years. On this table, that difference by itself is often enough to lift a household from around the median into the 75th percentile range by their late 50s or early 60s, assuming everything else is average. That shift does not require perfect timing or heroic returns. It just requires consistency and patience. 

Saving a little more, earlier, and letting compounding work quietly can move you into a very different percentile over time. The math is not dramatic, but the outcome is. The question for the reader is not where you are today, but whether you are feeding compounding enough to let it do its job.