The Personal Finance Podcast - What EVERY Dollar You Invest is Worth (By AGE)

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Starting point is 00:00:56 Find your advisor at IG Private Wealth.com. On this episode of the personal finance podcast, what every dollar you invest is worth by age. What's up, everybody, and welcome to the personal finance podcast. I'm your host, Andrew founder of mastermoney.co. And today on the personal finance podcast, we're going to be talking through what every dollar you invest is worth by age. If you guys have any questions, make sure you join the master money newsletter by going to mastermoney.com.

Starting point is 00:01:45 newsletter and respond to any of those newsletters come out and we will be able to answer your questions and don't forget to follow us on Spotify, Apple Podcasts or whatever podcast player you love listening to this podcast on and if you want to help out the show, consider leaving a five-star rating review on Apple Podcasts, Spotify or your favorite podcast player. Now you can also watch this on YouTube by going to the Anderidge and Kola YouTube channel if you want to watch some of the stuff we're talking about as well. And in this episode, we're going to be diving into something that we just created called the wealth building matrix. And the wealth building matrix is basically going to show you

Starting point is 00:02:20 how much every single dollar is worth based on your age and based on your rate of return. And that's what we're going to be diving into in this episode. So if you want to see this visually, we'll show it on the screen on YouTube. But in addition, if you want to see this visually, I also want to make sure that you can get access to this by going to mastermoney.com slash resources and you'll be able to get access to the wealth builders matrix. This is going to help you just visualize this stuff. and make great decisions. We'll talk through why we're doing this here shortly. And so really, really important that you check that out as well. Now, I am a true believer that for most people, we need to be continually reminding ourselves about the power of compound interest. The reason for

Starting point is 00:03:01 this is a lot of times we will start to stray from our investment plan and we will start to spend more dollars on specific things that may not fit our values. And so what I want to do today is we're going to be diving and this might be a little more of a motivational episode. But as we start to dive into this wealth builder's matrix, I want you to think through and understand the power of compound interest and understand that every dollar that you invest today, no matter what your age is, is going to multiply over time. And you're going to see how much that dollar is going to be worth. And so the reason why we're doing this is so that you can see the power of compound interest. But also, if you're young, I want you to see how much of an advantage you have

Starting point is 00:03:43 because you have so much time on your side. And time is your greatest asset when it comes to investing because small amounts of money can become very large amounts of money over time. And if you start early, as you're going to see, it'll make a massive difference in your wealth building potential because you started early. Now, what this is also going to show you is how impactful your rate of return is. And your rate of return is something that I think most people don't focus on enough.

Starting point is 00:04:13 And there's a number of different factors that come into play to factor into your rate of return. Number one is your asset allocation. What assets you have in your portfolio, meaning what's the mix of stocks and bonds in your portfolio, or which index funds did you choose, which ETFs did you choose? Did you put actively managed funds in your portfolio? Because adjusting that rate of return, even a slight amount, can make a massive difference, as you'll see in every single dollar that you invest. And as we know, we want to invest as many of our dollars as we can so that that money can start

Starting point is 00:04:47 to snowball and create financial freedom for our lives. And that's what we're all trying to do as we go through this process. In addition, what we're going to be showing is you'll be able to visualize times roll in investing because a lot of times it's easy to say, hey, compound netters is working in your favor. But you're going to be able to visualize times roll in investing. And that is going to help you significantly over time. Now, one thing I actually utilize this chart for is values-based spending. And values-based spending, if you've never heard us talk about that before, this is something where we really, really believe in this. And we really think this is the way that you should be thinking about your money. And so when it comes to value-based spending,

Starting point is 00:05:25 what I want you to do is think through, hey, every single dollar that I spend, does this create value in my life? Do I value this dollar when I spend this dollar? I don't want this to be some sort of massive exercise where every single time you go out and buy a coffee, you're thinking, does this coffee me value. That is something that it will become second nature as you start to change your mindset in this direction. And so for me, I think about that all the time when I'm making purchasing decisions, but it's not in an exhaustive way. It is something that is just second nature for me. And it just takes that mind shift. That's all it takes before you can have that happen. And this is really going to help you with that because you can think through, hey, I'm 30 years old. And if I'm 30 years old,

Starting point is 00:06:02 and I'm going to get a 10% rate of return, every single dollar I spend is worth $28 by the time I turned age 65. And so is this specific thing worth $28 on the dollar by the time I turn age 65 if I got that 10% rate of return? So really, really important stuff to kind of think through. That's why I love this chart so much is it helps you visualize all of these things so that you can think through that process more so. And the exercise of value-based spending really comes down to opportunity cost. And that's what we really want to weigh out with everything in our lives, especially when comes to spending money is we want to weigh the opportunity cost. And the opportunity cost is going to be something that you should be thinking about all the time. This is why we talk about the million

Starting point is 00:06:44 dollar money decisions that you need to be making. Because if you can change your mindset on those million dollar money decisions, if you've never heard that episode, it is one of my favorite episodes. And so check it out and we can link it up in the show notes to. But those million dollar money decisions that you need to be making are really important because they wait in opportunity costs. So there are six or seven things that you should be, focusing on mostly. And of those six or seven things, things like your asset allocation, things like your investment fees, things like running the numbers on a house, understanding your interest rate, all of these can become million dollar decisions because of opportunity costs.

Starting point is 00:07:21 And we need to be weighing these out in order to make sure that we are making the correct decisions. And so thinking through those is going to be really, really important. See, what most people do is they think about, hey, I'm going to cut back on my latte, I'm going to cut back on eating out on lunch when really these million dollar money decisions are the big financial impact in your life. I want to make sure that you are focusing on the right things first. And then if you want to focus on some of those smaller things, then you could take advantage of those. Because what's happening right now is a lot of people will go out willy-nilly and they'll say, hey, another $500 here, another $500 there. It's not a big deal. Well, as you're going to see today, $500 can be a massive impact.

Starting point is 00:07:57 It could be 10, 20, 30, 40, 50 times the amount of money that you actually think. you are spending and this wealth builder's matrix is going to show you exactly why that is. So I am really, really excited for this episode. And that's exactly why we're doing this. And so first, before we dive into the wealth builders matrix, I'm going to kind of talk through why starting early versus starting later is a really important thing that you need to think through. And I'm going to give you a bunch of examples of why you need to start investing today and show the impact of making those small decisions, even if it's a small amount of money. Again, small amounts of money over time can grow to very,

Starting point is 00:08:33 very large amounts of money. So I don't care if you don't have a lot of money, but just getting started today, it is what is going to change your life. So imagine yourself 10 years from now. And you're sitting here and you're listening to this episode. Maybe you're in your cubicle, maybe you're in your office and you're saying to yourself 10 years from now, I am so glad I started today because my money is starting to grow and it's starting to compound and I hit my first 100K and maybe I'm hitting my first 500K or my first million. And because of this, because you made one decision, one decision, one decision in your life to make a difference in your financial life and you started to invest, that will make all the difference going forward for you to be able to achieve financial freedom. So let's talk

Starting point is 00:09:13 more about that next. So lately, I've been noticing how fast things are changing at home. The kids are growing like crazy, clothes don't fit anymore, and routines are changing. And it just hits you. Life is expanding. And when your life grows, your responsibility grows with it. That's something I've been thinking about more this spring, making sure the safety net we have in place actually matches the life that we're building. And that's where PolicyGenius comes in. PolicyGenius is an insurance company. They're an online marketplace that helps you compare life insurance quotes from some of the top insurers in America, all in one place for free. And their licensed team works for you, not the insurance companies. So they help you find the right coverage for your situation without all the

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Starting point is 00:11:16 Indeed.com slash personal finance. Terms and conditions apply. Hiring, Indeed is all you need. Now, I am going to give you a few different scenarios here on why investing is so important. And as I go through some of these scenarios and some of the scenarios and some of these examples that we are going to lay out here, I want you to just think through, hey, how would this fit into my life in my everyday actions that I take? Now, I am big with people when it comes to personal finances that I don't want you focusing on the small things. But we will give you

Starting point is 00:11:43 some examples here also on some of the small things and the impacts that will have. But I want you to focus on those big million dollar money decisions first. Then it can trickle down to the small things if you want to. But I'll show you that impact. I'll show you why it could be important for your life, especially if you are living in that paycheck to paycheck cycle, this will solve some of those problems as well. And so we will talk through this as we go through this process. So the first example I'm going to give you is starting early versus starting later. And I'm going to give you an example of someone who is 25 years old who starts investing and someone who is 35 years old who starts investing and why it is so important to start early. So we have Emma who starts to invest at age 25.

Starting point is 00:12:22 And then we have David who starts to invest at age 35. So over the course of that time frame, Emma's going to have 40 years to invest by the time she turns 865. And David is going to have 30 years to invest. Now let's say each of them want to get to a million dollar goal. And to get to that million dollar goal, Emma starts at age 25 and starts to invest $288 per month to try to get to that million dollar goal. And she worked the math backwards and made sure, hey, this is going to work for me. And she worked the math backwards and said, hey, this is going to help me solve this problem and get to me to that million dollar goal.

Starting point is 00:12:56 So she has that 40 year time frame. Whereas David starts 10 years later, now he has to contribute almost double the amount at $533 to get to the same exact goal. And so this is something that shows the power of investing early. If you want to get to that first million, the earlier you start, the less you have to work at You don't have to work as hard, and you can invest half of the amount over the course of your lifetime than someone who just starts 10 years later. And this is a lesson on why you really need to make sure that investing early is part of your plan if you can. Now, if you started investing

Starting point is 00:13:31 late, no worries. It is never too late to start investing. And we'll give you, you know, we have plans talking through how to start investing later. But time is your most powerful ally. And there is a cost to waiting. I want everybody to hear this. If you, you are thinking through, hey, well, maybe I need to take care of this and that first, or I want to buy my first house first, or I need to buy this car first, there is a cost to waiting. And the cost is a fee you're going to have to pay every single month for the rest of your life until you retire if you do not start early. And that fee could be double the amount of what you could be investing today. And so I want you to note that. And I want you to think through that. And now the first

Starting point is 00:14:09 couple of years, when you start investing, it may seem like you're trudging and slogging along and it's taking a really, really long time. But as you know, we have a metric that we talk about here called the CVR. It's contributions versus returns. And when you start investing early on in your life, the CVR is going to be skewed more so to your contributions than will be towards your returns, meaning the amount of money that you put into your investment portfolio is going to be the driver to your growth at the beginning of your portfolio. But as time goes on, and as your money begins to grow, compound interest is going to start to get moving and get going, just like a snowball rolling downhill and your returns are going to end up outweighing your contributions, where you

Starting point is 00:14:54 could be contributing, hey, $1,000 a month, maybe $12,000 a year. And all of a sudden, your returns are spitting on $50, $60,000, $90,000 per year because you allow time and compound interest to take over. So the CVR number is something that you definitely need to note. And it is a really, really powerful number. So, for example, when you first start investing, your CVR maybe 88, 12, meaning 88% of your contributions are what is driving the growth of your portfolio, and only 12% are your returns. But over time, you're going to see this number flipped, and you want your returns being the majority of the growth of your portfolio, because that means you don't have to work as hard, and your dollars can work so much harder than you can. Number two is someone who goes out and buys a

Starting point is 00:15:38 daily coffee, but they really don't value this. Now, I am going to show you the value of the latte factor. I am not big on the latte factor whatsoever. I want you to focus on the million dollar decisions. But let's say, for example, you got a 7% rate of return and you took $5 starting at the age of $25 and you got a daily coffee for $5.00. So over time, this is $1,300 annually. And if you got a 7% rate of return, that would turn into $140,000. So over that time frame over the course of 40 years, the reason why I'm not huge on the latte factor is because, sure, $140,000 is a great addition to your portfolio and you can draw down an additional $6,000 per year in retirement with $140,000 based on the 4% rule. So let's say, for example, you're planning at your retirement. You're like, I'm not making

Starting point is 00:16:21 a lot of money. I'm in a career path that I will not make a ton of money over time. I really need every extra dollar I can get invested in order to hit my retirement goal by the time I want to retire. Then something like this is going to make sense. But if you're someone who makes a higher income, then the latte factor does not make as much sense. Instead, you need to focus on the bigger things that really, really are going to make a big, big impact. Now, here's a big one. Let's talk about a new car purchase, because a lot of people are going through, you know, new car purchases and thinking through this process. And let's say, for example, you land your first job. You have a car that is in working condition. It is completely fine, and it will drive

Starting point is 00:16:57 for a number of years longer. And so Mark has this nice car in place. I'm going to, we'll call this person, Mark. And Mark has this nice car in place. And as he starts this new job, he decides to reward himself by financing a brand new $30,000 car with a five-year loan. Okay. And let's say his other option was to buy a reliable car at $10,000. And so he had this perfectly working car that he could buy for $10,000, but he chose the other car for its status and its appeal. So just that $20,000 alone, if Mark wouldn't have invested that $20,000 over the course of his career. If he started at age 22, he'd have nearly half a million dollars more during that time frame. Now, getting a car early on in your career is actually a major, major life decision and it's a bigger decision than

Starting point is 00:17:41 most people realize because this is one of those million dollar money decisions that you really need to think through. These dollars are so valuable early on that if you put them towards, and you're going to see why in a second, that if you put them towards an appreciating asset like a car, it is really going to make a massive impact. So half a million dollar impact here is going to be what is happening if Mark chooses the car that is an additional $20,000. So you may be saying to yourself, hey, I'm young, I can make this money back. $20,000 is not a big deal. But is it worth half a million dollars to you over the course of your lifetime to have that car when that new car smell wears off over the course of three months. That's what I want you to think through. It is a

Starting point is 00:18:19 huge impact on your finances, especially if you were as young as Mark at age 22. The last one we're going to talk about here is a 401k match. And the 401k match is really important because I want you to take advantage of that free money. It is the first thing I want you to do before anything else, because it could be a 100% rate of return if they are giving you and matching you at 100% or if they're matching you at 50% it is still a fantastic rate of return. In fact, I'm going to show you why here. So let's use one more example of Lisa. And Lisa started her first job at 24 and was offered a 401k plan with a company match.

Starting point is 00:18:53 And she decided to opt out. She thought, hey, I don't need this company match. I'd rather go around and travel and spend my money on some more things that I want to do. And then I'll start contributing to it in my 30s instead. And by skipping out on the 401k and that company match, she missed out on that free money. And because she missed out on that free money, she really missed out on a lot of money. If she would have just contributed $100 to her 401k match and her company offered just a 50% match, just a 50% match and she got an 8% rate of return by 65, she would have an additional $300,000,

Starting point is 00:19:27 just for that $100 contribution every single month. This is why we always want to take advantage of this stuff. This is your backup plan. This is going to help you in retirement. It's going to boost your retirement savings. Now, imagine if she did 200 or 300 or 500, how much more that would grow. It'd be millions of dollars. And so I want you to understand the power of compound growth.

Starting point is 00:19:48 And I'm giving you these small, simple examples to show you why that is. Now, there are much bigger examples that we could dive into and advanced examples of how to optimize this. But that's not what we're talking about in this episode. What we're talking about is small, small, simple examples for you. you don't understand small amounts of money over time can grow to a very large amounts of money. Now, let's get into the wealth builders matrix and how this can help you. All right. So we're going to be diving into the wealth builders matrix, which I am really,

Starting point is 00:20:16 really excited to dive into this. Because I think most people just need to understand how powerful this can be and how powerful it can be to start investing your dollars over time. And so as we start to look at this wealth builder's matrix, if you want to follow along, you can download it at mastermoney.co slash resources. We will have it there for you and it will be available for you to download. So if you have any questions on this too, please shoot me an email. Respond when you get that download from the wealth builders matrix and I'll be able to help you with anything along the way as well. So as we dive into this, we're going to go into the first one here is I want you to think through. We started this wealth builders matrix at age 16. And so if you're a 16 year old, it's just amazing.

Starting point is 00:20:53 Even getting your kids investing just slowly over time is going to show you the amazing impact of how fast. their dollars can grow. And so let's be conservative and say you have a 16 year old who starts investing. And let's just say they start to invest. Every dollar they invest at a 8% rate of return is worth $43. Every dollar they invest at a 9% rate of return over the course of their lifetime. And this is till age 65, by the way. So this is the wealth builder matrix is going to be, hey, I start at this age age age and I stop investing by age 65. How much will this money grow? if they got an 8% rate of return, it'd be $43 at 16. If they got a 9% rate of return, it would be $68.

Starting point is 00:21:35 And if they got a 10% rate of return, it'd be $107. Now, the S&P 500 has returned 10%, actually a little over 10% over the course of the last 40 years. And so this is something that is possible. And I like to be conservative when planning for retirement, and I go 7 or 8%, but it is possible to have a 10% rate of return. Now, let's say, for example, they figured out how to get 12% somehow. that'd be $258 per dollar invested.

Starting point is 00:22:01 And so at a 10% rate of return, if they go out and they buy something like a video game or something for 50 bucks, that is $5,000 is what that video game would be worth by the time they turned age 65. So this is a cool chart to kind of show your kids as well. If you have kids, that's why we started some teenage years, 16, 17, 18, 19, 20. We went every age from age 16 all the way up to age 64. But now I want to talk to some of my 20-year-olds. You know, some of you folks who are in college or you're thinking through, you know,

Starting point is 00:22:33 some of the stuff that you want to do in college. So if you're at age 20, if you got an 8% rate of return, every dollar would be worth $32. If you got a 9% rate of return, every dollar would be worth $48. And if you got a 10% rate of return, every dollar would be worth $73. So, for example, say, let's say you went out and you're hanging out with your friends and you go out and you buy coffee with your friends, okay? And you're in college. And you can decide, hey, I could invest $5 this month or I could buy one or two coffees a month.

Starting point is 00:23:05 So if you choose the one or two coffees, that's $250 per coffee is how you can think about that. That's some crazy stuff right there. And I think that is one massively, massively motivating thing for me, especially if I'm in college. In college, you can learn to kind of be really, really frugal. And so I'd rather be frugal in those early years so I could start my baseline. of investing, even if it's 10, 20, 30, 40, 50, 50 dollars college students, guess what?

Starting point is 00:23:30 It is going to be massively impactful to your portfolio in the long run. Don't think that any amount of money is too small. I want everybody who is in their 20s to be investing, no matter how small it is, because that money is going to grow and compound over time. Now, if you just started your career, let's say you're age 22 or 23. If you're a 23-year-old, you just started your career.

Starting point is 00:23:49 At age 23, every dollar at an 8% rate of return is or 25 bucks. every single dollar is worth $25. At a 9% $37. At a 10% rate of return, $55. And you figure out how to get a 12% rate of return, very hard to do. Most people can't do it.

Starting point is 00:24:06 $117 per dollar. That is wild to me, and that is something that is pretty crazy. Now let's get to the 30-year-olds. If you're at age 30, you're going to see a drastic drop here. Because at each 30, we just talked about 22-year-olds

Starting point is 00:24:18 when they got an 8% rate of return, every dollar is worth $27. But if you are a 30-year-old and you got an 8% rate of return, every dollar is worth $15. And so it's almost cut in half just by waiting eight more years. And so I want 30-year-olds to understand. It is never too late to start investing. I have people who send me emails who said, I'm 30, I'm late to the investing game.

Starting point is 00:24:38 You are not late. You are still very early and you have a lot of time left to be able to invest. 30-year-olds do not get discouraged because still every dollar you invest is worth $15 at an 8% rate of return. At a 9% rate of return, every dollar you invest is worth $20. And at a 10% rate of return, every dollar you invest is worth $28. This is some crazy cool stuff because you can take your money and your money can work so much harder than you can. And so it's really important to think through that.

Starting point is 00:25:13 Now, let's talk to the 35-year-olds. These are the folks in my age camp. So if you are at age 35, at 8% rate of return, it is $10. at a 9% rate of return, it is $13, and at a 10% rate of return, it is $17. Now, let's jump up to our 40-year-olds. Our 40-year-olds, you guys are, if you are getting started or you're still investing your money now, you want to know how much these dollars are going to be worth as you start to invest. If you get an 8% rate of return and you are 40 years old, every dollar you invest is worth

Starting point is 00:25:45 $7. Still fantastic returns. At 8%, it's $9. bucks and at 10% it is $11. And now let's look at the 50 year old because it's going to drop drastically for a 50 year old because you only have 15 years to let this money compound. But at age 50, every dollar you invest at an 8% rate of return is going to be worth $3.

Starting point is 00:26:05 Every dollar you invest at a 9% rate of return is going to be worth $4. And at a 10% rate of return, it is also worth $4. And that is rounded to the nearest number. And so as you can see, as we get to 56, I start to kind of use. utilize some of the dollars and cents because I just want you to see the impact of each of your dollars as it starts to go down. But this is going to show you, every dollar I invest matters. And every decision that I make is going to grow over time. And I want everybody to understand this. This is to motivate you. This is to help you think through and decide on how you want to spend

Starting point is 00:26:41 your money and what you value. I remember in college all the time when I was in college, I would think this way. The way I would process things is, hey, I could go buy this extra thing at the grocery store and or I could utilize this money for something else that I want. In addition, I could also invest this money instead. And so I would always compartmentalize, do I want to buy this thing? Do I want to buy something I value more and save up for something I value more? Or do I want to invest these dollars? And it was a constant battle in my brain. And it was kind of exhausting, honestly. I would think about this through every single investing decision. But now, as I started to utilize things like this, like the wealth builders

Starting point is 00:27:17 matrix, all of a sudden, it just made things easier. The calculation was easier in my head. It was not so exhaustive. It was not so weird. You didn't have to do all these weird calculations. Instead, you just know, hey, I'm this age. This is how much every dollar's worth. Is it worth it for me right now? And for me, a lot of things are. I spend a lot more money now than I used to. And the reason for that is I have kids. I value convenience. I value health. I value time with family and friends. And so because of that, I'm going to spend more money. And so I've kind of figured out my values based spending. And And I figured out how I want my dollars to work for me. I know what my number is.

Starting point is 00:27:51 I know what my freedom number is. And once you know that, you have your North Star available so that you can start taking advantage of things like this. And that's what I want to encourage for every single person watching this episode is I want you to think through the wealth builders matrix as you start to make spending decision, as you start to build out your investment plan. So you know this is where my dollars are going. This is how valuable they are based on my age.

Starting point is 00:28:13 And so listen, I hope this was motivating for you. if it was, you know, shoot me an email, send me a message. I would love to hear from you. I cannot thank you guys enough for listening to this podcast. And I cannot thank you guys enough for investing in yourself because that's exactly what you do when you listen to this show is you are investing in yourself. Thank you guys again for joining me today. And I hope you have a great rest of your week.

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The Personal Finance Podcast - What EVERY Dollar You Invest is Worth (By AGE)

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