The previous post on this topic received numerous comments with stereotypical arguments against. People find it hard to believe in the simplicity of the 'wealth formula'. Therefore, various justifications are invented as to why one should not even start. I revised the financial model. I added inflation to the daily investment amount for each year according to the average annual rate of 8%. I added a column with the balance not accounting for inflation (purchasing power for 2025) for easier understanding.

There is an opinion that to become financially independent, you just need to save 5-10% of your monthly income and direct this amount to investments. Indeed, financial literacy lies in this simple thesis. You just need to earn a little more than what you spend on living.

This does not mean that you have to deny yourself everything in youth and save all your money for a future that may never come. Quite the opposite, you should not deprive yourself of travel in youth and other joys of life. You can start a family at any period of your life. The most important thing is to start investing as early as possible! How can all this be combined, you logically ask. Very simply, you don’t need starting capital for investments. Nowadays, investments are so accessible that anyone can start without training and with minimal amounts, even if it means buying gold for 10 rubles.

So, how do you transition from living without money to accumulating wealth? How can you change your life or even the life of your entire lineage?

It will be easier to show with an example.

Imagine you are 18 years old. You may actually be 40, but then imagine you have a son who is 18.

So, if at 18 you start investing 300 rubles a day instead of spending on cigarettes (or vapes), you can radically change your life instead of having health problems. Where does a young person get 300 rubles a day for investments, you may ask? Well, money for cigarettes seems to always be found.

In 5 years, with this approach, you will have 1,000,000 rubles in your account. In 15 years, you will have 10,800,000 rubles. In 28 years, you will have 113,000,000 rubles. In 41 years, you will have over 1,000,000,000 rubles! Let's look at the table.

At the same time, you can stop investing when you retire, for example at 50 years old (after 33 years of investing), and you will have 264,577,091 rubles; just the interest from this amount will provide financial independence. To better understand the purchasing power of this amount considering inflation, I added a corresponding column to the table. In fact, with 264 million in 2057, you will be able to buy as many goods as in 2025 for 30,000,000 rubles. The monthly interest will bring 455,000 rubles in purchasing power of 2025. Is that enough for retirement? And this is just giving up smoking; no one prevents you from buying real estate and other expensive goods during this time.

What do you think of this scenario? If you manage without other sources of savings and do not touch your “cigarette investments” at all, then at 77 years old you can pass on to your children/grandchildren a capital of 23,471,706,858 rubles. In terms of purchasing power for 2025, this is also an impressive 433,412,856 rubles. Think about these numbers. Your future generations could be provided for life for the price of a pack of cigarettes a day! This is the magic of compound interest + time. The choice is obvious.

If smoking is not relevant for you, change the conditions to an extra cup of coffee a day or something similar. The main thing is to start thinking about the future and remember that EVERYTHING is in your hands!

I hope this post will be useful to someone. Perhaps someone will even think about it and change their life.

Why am I confident in this plan? I have been investing for quite a few years now. At the beginning of 2023, I started a public experiment on daily investing in the financial network PULSE. I have been investing 1,000 rubles a day for 2 years, and now the balance is almost 1,000,000 rubles.

I invest very diversely. I divided my portfolio into 10 parts. I send 100 rubles a day to 'Gold', another 100 rubles a day to 'Bitcoin', as well as into Stocks, Bonds, Yuan, etc. For starting, you don’t need long studies of the subject matter. Just passing free courses in the same T-investments will be enough. This is an app from T-bank (formerly Tinkoff), in which even an 18-year-old teenager can invest. I talk about how to invest in crypto assets on my Telegram channel #daily100. Such a diversified set of assets will help protect against inflation.

I would be glad to see your comments; I will definitely respond to all of them!