Let’s talk about legacy — not with millions of dollars, but with one simple decision: putting aside $50/month for a child or grandchild starting from birth.
Imagine this:
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You invest $50 per month
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From birth until age 18
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Into an S&P 500 index fund (average historical return: ~10% annually)
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Then you stop. No more contributions. Just let it grow.
By the time that child turns 65 years old, guess what it becomes?
💰 Over $1,000,000
Yes, $50/month for 18 years — a total of just $10,800 out of your pocket — could become a seven-figure retirement account for them.
Here’s the breakdown:
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Monthly Investment: $50
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Years Contributing: 18
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Total Contributions: $10,800
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Growth Years After Age 18 (no more deposits): 47
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Expected Value at Age 65 (10% return): ~$1,000,000
All from one smart, early move. That’s the power of compound interest: it’s not about how much you invest — it’s about how early you start and how long you let it work.
The Real Takeaway?
You don’t need to be wealthy to leave a lasting financial gift. You just need a plan, a little discipline, and some time.
$50/month. 18 years of consistency. A million-dollar future.
If you want help figuring out how to set this up, ask. It’s one of the simplest, most powerful things you can do for someone you love.
-Ryan