Lesson 6: Savings Rate Is the Real Variable. Return gets the headlines. Saving rate does the work.
Save more, or earn a better return?
Pick one lever before we prove which wins.
Assessment
For the next 30 years you can do exactly one of these: raise your savings rate from 10% to 20% of pay, or find investments that return 1% more per year. Which builds more wealth?
Your call 🤔