Compound returns do 80% of the lifetime work. $500/mo invested from age 25 at a 7% real return grows to ~$1.2M by 65; starting at 35 cuts that to $568k. ETF expense ratios matter — a 0.03% index fund vs a 0.90% active fund costs you ~18% of your ending balance over 40 years. All historical returns cited from FRED; crypto from CoinGecko weighted exchange averages.
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