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Guides on compound interest, Coast FIRE, and investing early — with real math.
Why Your First $100K Is the Hardest — And What Happens After
Charlie Munger called the first $100,000 the hardest money you'll ever make. The math explains exactly why — and what changes once you cross that threshold.
Roth IRA Contributions: How to Withdraw Your Money Early Without Penalty
Most people don't know Roth IRA contributions can be withdrawn any time, tax-free and penalty-free. Learn the rules, the conversion ladder strategy, and how to use your Roth as a flexible early retirement tool.
Dollar Cost Averaging: Why Investing the Same Amount Every Month Beats Timing the Market
Dollar cost averaging removes emotion, beats market timing, and works automatically. Learn how it works, why it outperforms lump sum investing in volatile markets, and how to set it up in 10 minutes.
The 4% Rule Explained: How Much Can You Actually Withdraw in Retirement?
The cornerstone of retirement planning — but most people only half-understand it. Learn where it came from, its real limitations, and how to plan a retirement that never runs out of money.
The Rule of 72: The Fastest Way to Understand Compound Interest
The simplest mental math trick in investing. Learn how to instantly calculate how long it takes to double your money — and why starting 5 years earlier can be worth hundreds of thousands of dollars.
The Power of Compound Interest: Why Starting 5 Years Earlier Changes Everything
See exactly how much starting to invest 5 years earlier is worth in real dollars. The cost of waiting is enormous — and the math is clear.
What Is Coast FIRE? Your Complete Guide to the Two-Phase Strategy
Coast FIRE explained in plain English. Learn what a coast number is, how to calculate it, and how the two-phase strategy can get you to financial freedom faster.
The Investor Who Contributed for 10 Years Beat the One Who Contributed for 30
Discover why starting to invest early and stopping beats investing late for longer. The math that reveals the true power of compound interest timing.