The money you invest in your 20s is worth more than money you'll ever invest again.
You don't need more money. You need more time - and right now, you're rich with it.
Younger is the superpower - the same dollar has more time to compound.
That's what $200/month becomes by 65
$0in today's dollars · about $565.4K in 2067 dollars
You'd put in $98.4K. Time adds the other $69.9K - that's 42% of the work, done for you.
Six figures from small, steady deposits. That's the magic, made real.
The cost of waiting
What if you started at 29?
That gap is the same you, just a later start. About $6.8K for every year you wait. The fix is free: start now.
The catch-up tax
Wait 5 years and you'd need $90.9 more every month, forever, just to break even.
A postcard from you, at 65
Thanks for starting at 24. The $200 a month you almost didn't bother with? It grew into $168.3K. It's the reason I'm okay. - You, at 65.
What moves the needle
Tap one - watch your number climb.
Post your head start
A card that says “I started now” - and drops a friend into their own number.
Honest by design
The headline is in today's dollars with a flat, conservative contribution - modeled as a Roth, where growth genuinely is tax-free. No inflation tricks.
The real math is one tap away
Underneath is the full engine: federal + 50-state, payroll, and capital-gains taxes, year by year. See why you can trust it.