Lesson 3: Cadence and Amount. Match the schedule to your paycheck. Pick the amount you can sustain through a bad month.
30% or 12%? Guess which plan survives a rough patch.
No math needed yet — just your gut.
Assessment
Two people start auto-investing from the same salary. One sets it at 30% of income, the other at 12%. A rough quarter hits — a surprise bill, a slow month. Whose plan is more likely to survive it?
30% or 12%. One of them survives a rough quarter.