Do you know how fast rabbits breed?
A single female rabbit can have 12 babies per litter.
Those babies can start breeding at 4 months old.
Those babies have babies.
Those babies have babies.
Which is how one pair of rabbits can theoretically create MILLIONS of offspring in about 4 years.
That's what your money should be doing.
And you're keeping it locked in a cage.
Every dollar you invest is a rabbit.
Once you let it loose, it starts breeding.
Then those baby dollars breed.
Then THOSE babies breed.
And before you know it, you've got a whole army of dollar-rabbits multiplying while you sleep.
But most people?
They wait until their rabbits are old and tired before they start breeding them.
POP QUIZ!
(answer at the end)
| If you started investing $200/ month at age 25, how much money would you have in 40 years? |
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Meet Sarah and Jake:
Sarah is 25.
She invests $300/month for 10 years.
Then she stops completely.
Total invested: $36,000.
Jake waits until 35 because "he's not ready."
Then he invests $300/month for 30 years straight until retirement.
Total investment: $108,000.
By age 65, at 8% interest rates:
- Sarah's investments are worth $600,000
- Jake's investments are worth $447,000
Sarah spent ONE-THIRD as much on investments and ended up with $105,000 MORE.
Why?
Her money rabbits had 10 extra years to breed.
Here's what should make you furious:
Sarah stopped investing at 35 and never touched her money again.
Jake worked his ass off for 30 years investing every single month.
But Sarah wins anyway.
Not because she picked better stocks.
Just because she started investing earlier.
Time is the secret ingredient, and you're wasting it watching TikTok.
Let's get even more specific with just $200/month:
- Start at 25 (40 years) = $661,000 by 65
- Start at 35 (30 years) = $298,000 by 65
- Start at 45 (20 years) = $118,000 by 65
Every decade you wait costs you hundreds of thousands of dollars.
(Did you get the answer right on the pop quiz?)
This isn't motivation-poster bullshit.
This is just math.
"But Caleb, I don't have money to invest!"
Yes you do.
You just spent it on DoorDash, a car payment that's strangling you, and a Netflix/Hulu/Disney+/HBO/Peacock subscription stack that costs $80/month.
You're not broke.
You're just not starting.
Here's what you do TODAY:
- Open a Roth IRA (Fidelity, Vanguard, whatever)
- Set up automatic investments of literally ANY amount
- Invest in a target-date fund or S&P 500 index fund
- Never touch it
That's it.
Ten years from now, you'll have an entire rabbit farm...
Or you'll still be making excuses.
Your choice.
Caleb "Money Rabbits" Hammer
P.S. - Want the exact account to open, fund to pick, and automation setup so you can't screw this up?
Master Your Money walks you through everything step-by-step.
Click here to learn more.
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