what you pass on

The size of what you pass on is decided in your twenties.

Start the ordinary-career plan at 25 and the middle case passes on $5.76M. Start the same plan at 35 and it passes on $1.84M. Same salary, same 12%, same retirement.

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: The size of what you pass on is decided in your twenties.

Slide 2 of 5: Same plan, ten years apart.

Slide 3 of 5: Started at 25 minus started at 35, through every year of history.

Slide 4 of 5: Money saved at 25 has seventy-five years to grow. Money saved at 35 has sixty-five.

Slide 5 of 5: Save this for your twenties.

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: Engine output through every year of history since 1871. Expected path for the age-65 figures. 2026 dollars.; Engine output, paired across 71 shared cases since 1871, 2026 dollars..

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