📈 The Power of Compound Interest
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- Опубліковано 21 сер 2024
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Albert Einstein once said: “Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn’t … pays it.”
💵 While it may be tempting to spend everything you make, you’ll end up much wealthier if you invest as much and as early as you can.
As an example, let’s say we have two people, Albert and Barry who invest in a fund that gives them 7% a year.
🕺🏻Albert invests $5,000 a year at age 18. He stops investing after 10 years and just lets the investments continue to grow.
🕺On the other hand , Barry also invests $5,000 a year but starts at age 28 and continues his annual $5,000 contribution until he retires at age 58.
At the end of it, Albert invested for 10 years early on and only put in $50,000, whereas Barry invested $150,000 over 30 years.
Who do you think has more money at the end?
🕺🏻🎉 Surprisingly, Albert has more money over time with $521,000 whereas Barry only has $502,000!
The point is, it pays to invest as early as possible!
👍 If you haven’t invested yet, it’s ok! It’s better to start now than never at all.
*Please note that the information in this video is for educational and entertainment purposes only and should not be taken as financial or investment advice. Any investments or financial decisions you make based on the information in this video are at your own risk. The links in the description above may include affiliate commissions or referrals, and I may receive compensation from partner websites.
#investing #compoundinterest #stockmarket
✅ Full Explanation: ua-cam.com/video/bswGw96lWzo/v-deo.html
How about those not in America
How to get high interest rates for compound interest. Make a video.
Don't post ads post actual videos
@@cpyt The video itself is a lesson to invest, the ad wasn’t the main part of the video
Why aren't you a millionaire
I’m afraid it’s too late for Timmy, he’s no longer little. He would be in his 60s to achieve what Billy has right now.
The early you invest, the better. And we can’t buy back time.
Hey where do u think is the best and most reliable place to invest
@@ericjoy6691 its Not the place its the amount .
If you want play it safe
@dbzisnotbigthree ofc but if you can lose everywere . You dont care if you lose 5k but 500k is way more valuebel you get it
@@seanlovesrealestate I invest in years of life
At least Timmy actually lived his life
Thanks for sharing your thoughts! This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
Yooo
Although he did, he’ll be a work slave driving good cars and living in great house in the city, his brother on the other half will be on boats in the Bahamas with a huge house. He’ll be living a relaxed retirement life and a stress free life too at a young age
@@forestt1276🤓
@@forestt1276nd be targeted by big corporation's assassins since now his opinion and money counts, making him have to go on the run for the next 40 years meeting friends & foes along the way to the end of his outlaw life at the hands of Mr. Pfizer (sorry for the spoiler)
Don't forget to also enjoy life... It is a balance.
Yes!
Thats what poors say
@@aces4873 Bro if you don’t have fun in life you’re going to be depressed, nobody wants that.
So true
I wouldn’t retire early I would keep on going no matter how hard the work is
A recent Vanguard study found that, on average, a hypothetical $500K investment would grow to over $3.4 million under the care of an advisor over 25 years, whereas the expected value from self-management would be $1.69 million, or 50% less.
In other words, an advisor-managed portfolio would average 8% annualised growth over a 25-year period, compared to 5% from a self-managed portfolio
my partner’s been considering going the same route, could you share more info please on the advisor that guides you.
@@Emily-le2oprelevance?
@@Invisible_Fury Its a spam comment chain.. they infest every financial video.
You missed the part where billy becomes depressed and has no friends and doesn't go outside during the prime time of his life.
Was looking for this.
I don't need to invest to do that!
lol, i got there when my dad died early of cancer and my mom couldn't make enough with her job to feed three children while other parts of the family took advantage of the situation and scammed her out of inheritance after she worked her ass off to also support her mother that had dementia. plus the bank also scammed granma out of the last account savings on top but there was no legal way because crime pays.
there is nothing good in life unless you manage to become immoral and a criminal.
When is prime time of life
With all of that money to retire I don't think Billy would "not go outside"
Inflation be like: you disrespect me you disrespect my family
Hey! Inflation sucks. This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
Thanks!
@@seanlovesrealestate I'm now a billionaire because of this video
LMAO
You ate our house You ate my facking baby
One single successful year can make someone forget 10 years of suffering & struggling. You reading this comment, may this year be your year of success🙏
Some kind of brother you are! All this time and you didn’t put him on to what you were doing. He would’ve probably been impressed and started investing.
“Some kind of brother you are!” Like his bro wasn’t making fun of him for investing this whole time until he found out what he was making 😭
@@Xenovzxrt bro didn't make fun of him he just felt weirded out 💀
The 5 yo really said "Ima invest is" bro is grinding 💪💪
underrated comment
@@smelly_man overrated comment
@@iphoneuser9416 my comment or his??
@@iphoneuser9416wellrated comment
underrated comment@@iphoneuser9416
Yes, let me invest as an 8-year-old
Can u even invest as a 8 yrs old?
@@ImHittingAClip no but u can always give the money to your parents for them to invest for u
Im 9 so
I’m 10 and don’t know why I even whatch these
@@ilmarilah1195For your future to know.
Timmy actually spent and had fun with his money as not every day is promised.
And now has to retire 30 years later after his counterpart .
@@Malitubee So? He had fun in his life, rather than just trying to stop doing the thing he loves earlier. Oh wait you probably don't understand actually liking your job since the only job you have and will ever have is a McJob.
@@shawnpitman876 It’s always the overly emotional dudes like you in the comment section , who are bitter towards life because no woman will touch you lol.
@@Malitubee It's always the 9 year olds who get on here and "roast" other people for having an opinion.
@@shawnpitman876What can you say with that ass face in that pfp💀
Timmy made good money and got a pool and a sports car in his 20s and had fun while doing it. He lived a really good life and it’s not like he went broke. Sure he will work a bit longer but on a scale he had more fun and a overall better experience. Billy lived like a brokie for 40 years and proceeds to retire early but he’s too old to really have any actual fun. He can enjoy the money
Actually Timmy has enjoyed his life, 60 yo Billy's life has just started
I don't understand?
billy is 38 lmao
@@danielrichards6036 yeah. the right thing to do tho is to save and invest 75% and spend 25%
@@xcmmm invest around 10-20%
Not 75
@Ventel of your extra money did you even watch the video
*Me in my room stuffing my face with potato chips* "Hmm... interesting"
Hey! This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
omg loll
@@seanlovesrealestate emotional damage
LMFAO. Bro really asked you to get a job..
@@MahiPatel10 he did
And did it very villainously
You have literally the best videos , so much knowledge in a short
I appreciate that!
This advise used to work before covid and the last two financial crashes and bank bailouts
I've heard about people who did this and their only regret was doing it. Sure, they had money, but they were old and couldn't do anything anymore. They had no fun in their young, and they regret it a lot.
Yeah so not halal mode
@@kit012 wat
Makes sense
You missed the part where Timmy actually enjoyed and lived his life, knowing that any day he could just die. Stocks can't bring you back to life.
Appreciate you sharing your take on this!
You can do both, live your life and still invest/save and retire early, just don't waste all your money at only fun.
How is buying an expensive car and apartment ‘enjoying life’?
Funny thing with my country. We have something called the superfund. Once you start working, part of your paycheck goes to it and basically once you retire you can tap into it. And with the money I would do the 20/20/40 split, 20% for fun, 20% for groceries, rent etc and 40% into savings.
you can live your life if you're smart about money
This is why we need to save money so when we gets older we may needs the money and you also need to feed your parents
“Im gonna hold on and invest it” right there, a child would never say that.
Honestly you gotta balance the two. Save as much as you can, but don’t be afraid to treat yourself and spend some on vacations or nice cars. Make sure you’re always having fun and not just miserable waiting for early retirement
🙌🏻
Ye
Exactly, I’m planning on doing that but I’m gonna buy a nice house in a suburban neighborhood and an SUV and every now and then treat myself to a mini shopping spree.
A 1:3 ratio is good most of the time.
The other guys had bought so many cars and apartments? Is this a mistake?
"I GOT THE RAISE! I GONNA GO AND INV-"
*"get tf outta my room"*
Lmao
Thank you for all your information you give. I’m only 11 and I’m trying get some sort of job like lawn work or baby sitting
Billy was smarter with his money but I think timmy lived life better
"There was a huge inflation, so, your bank account is worthless, have a nice day"
Inflation sucks! This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
@@seanlovesrealestate dude acting like a play store reply robot
@@lnvaldtrue bro is the samsungs girl son
@@Apollo47023 damn im jealous of him
if that’s how inflation works then everybody’s saving would be worthless 🤦♂️
“Ahh yes Father I shall go and invest my money in the stock market”
@Kira yoshikage -🤓
@@kirayoshikage177😂
@@quasibiased you really mad for that 🤣
Reminds of of when Stan put his money in the bank to invest... and it's gone!
@@quasibiased dropped this 👑
I’d genuinely invest this much money instead of something nice. Not because I know that it’ll grow in the future, not because I want to live a humble life, but because there’s something so satisfying about waking up on a Saturday morning to see that one stock that you’ve invested thousands in has skyrocketed.
Bro just explained a whole dhar mann video
fr
Although I do agree with what they're saying and that it's important to be careful with how you spend your money, I think the whole point of success is that you're living a happy life. You can't just save it all you can do that and buy nice things at the same time.
Depends on one’s definition of success, but I agree
I need money. As a tool.
there is a side note of this..."tomorrow is not promised to anyone", i have seen a lot of young people dying from cancer, accidents, crime.... so it is not so sure that you will live till your investments get you in a high place...so little by little you should live your life...!
Billy died 2 years later from cancer. On his death bed he regrets not enjoying his money.
I wish we all could live in a fantasy world where stocks only go up
Bro has not heard about research
@@assassingamer8392 if you want it to go up constantly, you just have to be lucky as shit. No stock is guaranteed to go up always.
@@jacobporter6558 yes, ya better be lucky
@@jacobporter6558snp 500 has left the chat
@@prod.perplexity yeah, snp 500 doesn't constantly go up, and has less potential gains than riskier stocks
"My brother doesn't understand how to spend money correctly, so instead of helping him right now and telling him about his mistakes, im going to invest and tell him how to do things correctly when I will retire and he won't be able to🤓"
Haha. Good strat! Thanks for sharing!
@@seanlovesrealestate Your tactics confuse and frighten me sir.
@@seanlovesrealestate LMFAOOAAOAO
@@seanlovesrealestateYou will not survive the heat
Hey! This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
Money ain’t coming with me to the grave , I’m going to live my life .
Little 8 yo Billy really got his priorities straight
Me at 6: Why is the moon chasing me?
Billy:Im gonna invest it.
I thought I was the only one. 😂
@@malavikareddy3985 same bro😊
we should all have a seperate club 😂😂 also is it weird to assume we are all very smart now?
billy isnt 6 billy is 3 because it says 10 years later and the guy calls them teens
@@Dashing_Geometry 16 is still teens-
At least he’s not the guy who says to invest 50 percent of your income
Hey Nathan. This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
Don't worry by the time you can spend it you would be in a retirement home
Dont invest 50% invest 100%.
@@schronos4479 time to commit tax fraud
@@schronos4479 don’t invest 100% invest 101%
It's funny how the first one is just a normal kid and the second is a business mastermind
bro billy is smart even smarter than me
Timmy may have to work for longer but at least he’s been able to enjoy all of his money. Billy could die tomorrow and he will never have been able to enjoy the money he has worked so hard for and waited so long for.
Appreciate you sharing your take! This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
@@seanlovesrealestatewho runs these comments
Who said that? he could also keep some non investment money for his own fun time too
@@SatoreyGojo a bot
@@SatoreyGojo bot, or just copy and paste
"I'm gonna pretend like I never got the raise and spend the extra money combating inflation!"
Retiring early is overrated.
Thats really helpful thank you 🥰
You’re welcome 😊
Rule 21: Don't save everything caus tomorrow is not promised
Yes, true, find the right balance
Even if you didn't save anything you'll still be dead tomorrow
@@Timmy-mi2ef yeah but you at least had good fun before… if you think like that, live doesn‘t make any sense
Rule 34.if it exists...
@@Starscream2009 bro what are you thinking?.... cant you open your mind?
Just remember investment can turn to 0 at any time. Enjoy the little things in life.
Yeah, if it’s a dumb investment.
you just dont know how to invest properly 😂😂
@@takeagander_ I do but I'm well aware all the risk that come with it. If you think your investment can't turn to 0 at any given time you sir living in a fantasy realm.
@@ToulouseFanany investments can turn to 0 not just dumb ones. you are extremely naive
@@water4923 lol ok, anything is possible but what I’m saying is don’t invest in meme stocks and with good mutual funds and etfs it’s very very unlikely for your money to go to zero dipshit
My boy Billy was only 9 y/o and he already knows about investing.
🎉❤😮😅
Timmy lived his life in the past and now Billy’s living the life in the future
Dhar Mann video be like : " Brothers fight over money differences, they instantly regret it"
Lol XD
“A calm and modest life brings more happiness than the pursuit of success combined with constant restlessness."
Albert Einstein
Timmy still live a w life.
Fax
But what about suffering in the future? Hard work today leads to a better and happier tommorow doesn't it?
I mean:
Working hard for a few years and then enjoying the rest of ur life.
Or
Being moderate or broke financially while still doing normal things.
PS: I might be wrong bc hey I'm just a young teen so don't backlash at me
@@Memeverse_1012 bruh you dont get it? Its mean that you do normal job earn enough money to live and do what you want like going on a vacation or buy food you like. Its not mean you not work but work just enough so you can enjoy it
Guys who would spend it all immediately
👇👇👇
The 6 year old is on the grind 💪💪💀💀
Yeah I'll invest when I actually get money 😭
"But I lived my life."
"But I can now live it even more than you did and without the stress of bills and enough retirement."
@@LeviticusCornwalllhow do you know when you die, what happens if you spend your whole life slaving away to retire early and it all goes in vain.
@@Bbrother3 That's up to God to decide but that's better. If you would live your life healthy and would be saving up money than if you died right after retirement then you would go to heaven and your family would have some money and maybe pay of some bills they had and you know.
@@LeviticusCornwalll true, but i also believe its important to enjoy life while we are here, i am not against saving money for the future, i just don't believe that money should be anyone's first priority in life.
@Aann Bhatia bro are you good, I will definitely fucking enjoy life when I RETIRE EARLY, like tf why would I spend just to enslave myself the entire life like tf
bro really said "invest it" even if he 4 years old 🔥🔥🔥🔥
the thing is that:
A) If Timmy spent all that money on property (cars, houses etc.) and didn't waste it all on nights out, he can sustain himself pretty well. Property skyrockets in value overtime. And,
B) Timmy actually lived his life all this time and didn't have to wait till he's 40 to start spending money.
Timmy: has fun
This guy: you stoopid bi-
Ni-*
@@Cezar2928 dont be shy finish it
@@basemkasim5764 gga
@@Cezar2928 nice
@@augustusalexanderalexander9955 im white btw
"And now I have enough to retire"
"Oh wow, retire? What are you going to do with all your retirement money?"
"Buy all the candy, right now."
Haha lol so relateable
He has the money to buy the candy but no teeth to eat it 💀💀💀💀
Lol fr
@@Captain_2nice money can pay new teeth
Dgfhg
Damn Timmy had lots of fun during his young hood
Timmy just is living life instead of being a person missing the prime times of his life
Timmy's been enjoying his entire life, while Billy lived in crippling depression for half his life, and artificial joy for the other half, like bipolar disorder on steroids.
How about you invest in intelligence.
Just because they are investing doesn't mean they will be depressed. And when they retire, they can do whatever they want and still hang out with their friends
@@hënry_zenin I think what Lucas wants to say is that Timmy enjoyed his life in his prime time, when he was at his best condition. AKA 20-40 while Billy, nearing the end of his prime time, spent his best days investing. Meaning that from 40 or 38 or whatever till he dies, he won't be as active and will only be brought artificial enjoyment with being able to buy whatever he wants.
@@hënry_zenin why don't you invest in some eyes and see how much better Young boy is
@@lucasli3273 ?
How does this have anything to do with young boy? 💀
@@hënry_zenin Timmy literally gets to enjoy his life during and after working, meanwhile Billy only gets half that joy, because more wealth doesn't compensate for joy.
kid billy knows how to invest while i cant even find my remote💀
😂
What's ur last name, obama?
@@saasaa2420 joseph
@@skibidiballs0 omg thx
Hey! This might be of help. I covered investing in this video.
ua-cam.com/video/UaXcudV9cRY/v-deo.html
why is his voice is so satisfying
Dad: Dont spend it all in one place
Timmy: i going to spend it all on candy
Man really invested in something that never failed him since childhood 😅
Mutual funds will do a good job at that…
Meanwhile actual child bank accounts: 0.03% interest.
Example is still more than most
@@dandydanthedapperman7797 Mine was previously 0.01%
Put the money into CDs, not like the child is going to have access to the money on the account anyways,
Actually, I found a way to get more interest with a child's cash. Just put your money in your parents account to get more
I Really Love How Sean Has Combined Skits and Real Estate Lessons Into One Thing!😃
I Really Hope He Blows Up Into One Of The Biggest Channels On The Internet Soon So That People Can Learn From Him! 😃😊🙂
Thank you!
All shit and giggles until the stock market randomly crash for no reason.
There’s a middle ground between “Life’s too short. You might die tomorrow.” and “Save for the future and retire early.” It’s okay to spend a reasonable amount and enjoy your youth but also make sure to invest some of the money. Everything in moderation.
I agree!
@SuperRoyG4mer I agree 3!
@@ramikern495I agree 4!
@@ramikern495I agree 4!
@@ramikern495 I agree 4!
30 years later
Inverter guy- I spent my whole life in office
Guy who spent his money - I don't have money but I have valuable memories I am very happy I had everything I needed lmao
He retired idiot
Yeah
The question is how Timmy is going to maintain everything. Doing this also obliterates any chance of building up generational wealth. Also by the way Billy spent less than 35 years of his life in office while his brother Timmy is going to be spending a lot more due to him falling victim to lifestyle inflation and in the end Timmy is going to have a much more peaceful life.
"everything I needed" yeah man he really needed that car!
you can still have valuable memories without spending memories Bro 💀
It's true about budgeting wisely, the only problem is the cost of living has to go lol
bro makes finances funny and interesting, so awesome
Thank you!
There's gotta be balance. There's always a possibility of someone having some accident or something and spending his life working and not enjoying anything.
I agree!
@@IGetNoPlayFC sounds like a YOU problem. If you're unable to find loyal friends and a loyal gf, skill issue.
I prefer the "pretend your raise was 1/3 and invest the other 2/3 method"
@@IGetNoPlayFC dude calm tf down and go to therapy
@@mrmilky5066 fouzia is a girl's name btw
honestly i would rather enjoy life while i’m young instead of buying nice things when i’m 50 and not even enjoy them
Thanks for sharing your thoughts!
True some things just don’t hit the same as if you were younger
Fax
that's how our villan arcs came
"I knew if I saved and invested, I would never feel the touch of a woman"
blud is touching women such a big goal in your life?
@@Salimsdn.oapocalypse if you want kids, yes
yall will regret having kids anyway
@@Salimsdn.oapocalypse Your parents would agree
@@alexcruse1163 naah they're thankful actually . but i guess my comment touched a nerve there huh? otherwhise you would have commented this
There's a famous quote: "you got to live a little"
😂😂
Literally thou
By the money he invested he's not going to live 'a little'. He's gonna live the rest of his life 🤣
@@Mohamed-qj4jd fr
@@Mohamed-qj4jd but at that point he's over 50. Things change when you get older my boy.
Life must be enjoyed
I like how Timmy was so happy he can finally get candy
“I even picked up a house along the way”
*net worth dropped to 100K from 1.5M*
Legend says Timmy is still investing
Legend also says that timmy is still getting richer and richer
Billy was smart by investing and saving up lots and lots of money witch means Billy would be rich and famous
People tend to forget that investments don’t always go right, and you could just lose money instead
Plot twist : Billy died the next day 😂😂😂😂
All these comments are mentioning how Billy must be "so depressed" and "has no friends", but they are basically looking at a mirror. Isn't that just everyone today? Timmy isn't happy because he didn't invest, he is happy because that's just who he is! Billy isn't unhappy because he invested, that's because he has some other underlying issue. Stocks can't bring you back to life, but neither can spending.
Someone gets it lol. The comments are astoundingly close minded.
Billy might have invested and retired safely but Timmy had a wonderful life
I appreciate you sharing your thoughts. You can still have a wonderful life while investing. ☺️
@@seanlovesrealestate We both know you and I and most people can't spend what we invest!!!! Where is the money we invest supposed to come from?
Then have multiple income streams. Invest in your skills and knowledge ☺️
@@seanlovesrealestate i am going to find you and your family☺️
No he didn't. He's gonna be on the streets soon and mortgaging off that shiny new property he got or he's gonna be slaving for the next 30 years.
It's truly insane to me how a lot of people think that their lives are bullet-proof because they make so-called "smart decisions"... What makes you think you're guaranteed to live to the age of retirement?
Bro called us poor very quiet
But at least Timmy managed to get friends with the money, a car to drive and a nice home for his kids to live
Appreciate you sharing your take on this
Absolutely, work hard play hard
Compund intrest formula :
P(½ × R/100)N
*P = Principal
*R = Rate
*N = Time
Where did the 1/2 come from
Bro really be investing 100$ as a kid💀
Life is unpredictable, and sometimes you should just treat yourself - not all the time, but sometimes living in the now is good
The guy who was spending money was better bcs he was enjoying his life
Appreciate you sharing your thoughts!
@Sean Pan what about those in the uk
He's not gonna enjoy life when he's broke tho...
He won’t enjoy life when has to work past retirement age
Do whatever you want, but keep in mind that stress kills.
pan is the type of guy that has somebody learn a lesson after 30 years
the definition of work smarter not harder
👌🏼
Plot twist billy is billgates💀
Billy really held on to that 100$ bill for years
Timmy is running from the IRS for not paying taxes
I wouldn’t exactly call 1.5M after 30 years a win.
It's 10 years bro
They started working 10 years after they were a child, and he retired 20 years after child, meaning he worked for 10 years.
And 1.5m saved in 10 years is a lot of money for a lot of people.