what you pass on

You do not need a silver spoon to leave your children millions. You need a start date and a plan.

The ordinary-career plan earns $65,000 from 25, saves 12% with a 4% match, and passes on $5.76M in the middle case since 1871. Nobody handed it anything.

You asked for the link. The planner every chart came from is one tap away; the slides are below if you want them again.

Open the planner Type in one paycheck. About three minutes, in the browser.

Slide 1 of 5: You do not need a silver spoon to leave your children millions. You need a start date and a plan.

Slide 2 of 5: Passed on in the middle case, from a $65,000 salary.

Slide 3 of 5: What a rich start actually buys, and what buys the same thing.

Slide 4 of 5: It is boring, and it takes forty years.

Slide 5 of 5: Save this for the day someone says wealth is inherited.

Where to go next

Retire Plan

Type in one paycheck and it runs your plan through every year of market history since 1871, with the taxes worked out. About three minutes, in the browser.

Open it

Sources: Backtest of the ordinary-career plan. 2026 dollars.; The plan on the previous slide: $65,000 at 25, 12% plus a 4% match, $3,000 Roth IRA, retiring at 65 on $55,000 a year..

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