Net Worth

Track your net worth

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Your total financial assets minus liabilities

Projected Growth

Create investment scenario

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Projected portfolio value from featured scenario

Investment Return

Analyze your portfolio

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Your portfolio's weighted average return

Emergency Fund

Build emergency fund

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Your emergency fund progress

Wealth Building Strategy

Key Insight: Time in the market beats timing the market. The earlier you start, the less you need to invest to reach your goals. Focus on consistent contributions, low fees, and long-term compounding rather than trying to time market movements.

Core Investment Principles

1. Start Early, Invest Consistently

The magic of compound interest works best with time. Even small amounts invested early can grow dramatically.

2. Diversify Across Asset Classes

Don’t put all your eggs in one basket. Spread investments across stocks, bonds, sectors, and geography.

3. Keep Costs Low

High fees erode returns over time. Choose low-cost index funds over expensive actively managed funds.

4. Stay the Course Through Volatility

Market crashes are temporary. Selling during downturns locks in losses. Stick to your long-term plan.

Investment Pyramid Strategy

Foundation Layer (100% Allocation)

Emergency Fund: 3-6 months expenses in high-yield savings Insurance: Adequate coverage for health, life, disability, property

Conservative Core (60-80% Allocation)

Index Funds: Broad market exposure with low fees Bonds: Government and high-grade corporate bonds for stability REITs: Real estate investment trusts for diversification

Growth Layer (20-40% Allocation)

Individual Stocks: Carefully selected companies with strong fundamentals International Exposure: Developed and emerging market funds Alternative Investments: Crypto, commodities, private equity (for accredited investors)

Speculative Layer (0-10% Allocation)

Individual Stock Picks: High-risk, high-reward opportunities Options Trading: Advanced strategies for experienced investors Cryptocurrency: Highly volatile digital assets

The Billionaire Investment Filter

Before making any investment, ask: “Does this move me toward beating my investment nemesis and approaching billion-dollar wealth?” Focus on leverage, scalability, and defensible positioning over short-term profits.

Key Growth & Investment Metrics

Wealth Velocity

Rate of net worth growth vs. market average and inflation

Compound Growth Rate

Annualized return on your total portfolio

Risk-Adjusted Returns

Returns adjusted for volatility and downside risk

Diversification Score

Number of uncorrelated assets in your portfolio

Interactive Compound Interest Calculator

Investment & Wealth Building Quick Reference

Essential strategies for growing wealth through smart investing and compound interest

Investment Priority

1. Emergency Fund

3-6 months expenses

Foundation

2. Employer 401(k) Match

Up to full match

Free Money

3. High-Interest Debt

Pay off >7% interest

4. Max Tax-Advantaged

401(k), IRA, HSA

5. Taxable Brokerage

After maxing above

Asset Allocation

Simple Rule

Your Age in bonds

Conservative

60% stocks / 40% bonds

Moderate

70% stocks / 30% bonds

Most Common

Aggressive

80-90% stocks / 10-20% bonds

Rebalancing

Annually or at 5% drift

Risk Management

Diversification

Don't put eggs in one basket

Time Horizon

Longer = more risk OK

Dollar Cost Averaging

Invest consistently

Low Fees

< 0.20% expense ratio

Avoid Panic Selling

Stay the course

Key Metrics

Historical Stock Return

~10% annually (S&P 500)

Bonds Return

~5-6% annually

Safe Withdrawal Rate

4% rule

Rule of 72

Years to double = 72 / return%

Inflation

~3% historically