Lesson 4: Why "Just Save" Fails Long-Term. The quiet failure mode that catches most savers by surprise.
Same $500 a month. Cash vs. investing.
Predict the 40-year gap on instinct.
Assessment
Two people both save $500 a month for 40 years — identical discipline. One leaves it in cash, the other invests it. Same money in. How do they finish?
Forty years, same $500 ☕ Call it.