What Happens If You Save $100 From Every Paycheck for 30 Years

A hundred dollars every other paycheck for thirty years. Same input. Three accounts. Three numbers at the end that differ by a house down payment. This video walks the actual math — what the index curve, the default target-date fund, and the advisor-managed account each do with the same hundred dollars, and the one row on your statement that decided which curve you've been living inside. In this video: • The one input that doesn't change — and what compounding actually does with it • Curve one — the boring index account that compounds the rate and nothing else • Curve two — the default target-date 401(k) and what thirty basis points cost over thirty years • Curve three — the advisor-managed account, the one percent fee, and the DALBAR behavior gap • A friend's 401(k) statement and the line he had never read • Why fees compound backward — and why year thirty is when it gets gravitational • The one row on your statement that tells you which curve you're on • Discipline as the absence of a decision — what the boring auto-transfer actually buys you 📍 Sources referenced: Vanguard, How America Saves, 2024 edition — average target-date fund expense ratios DALBAR, Quantitative Analysis of Investor Behavior — long-run gap between market return and average investor return 💬 What's the expense ratio on the fund you've been quietly contributing to for the past few years? If you've never looked — drop the number in the comments after you check tonight. 🔔 Subscribe to Net Sum if the way this counted up matches the way you've been quietly running the math in your own head. New episodes work through the spread the other channels in this space smooth over. #networth #compoundinterest #indexfunds #401k #personalfinance #fees #netsum