1. What inflation does to cash under a mattress
Default 6.5% is a long-term M2 growth teaching proxy. Try 7% or 7.5% as a broader M3-style stress test.
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2. Compounding — a habit vs. a vibe
Small automatic transfers beat “I’ll invest later.” Time is the multiplier.
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3. Agency comparison
Person A waits. Person B starts this month. Same inflation. Same years. Different vote.