“Adding the $200,000 of contributions changed the final result, but only a few hundred thousand dollars. The original portfolio growth created over $2 million of wealth”

Dev Raga · Dev Raga Personal Finance · 643 the crossover point: when your money starts working harder than you do

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What was described

argue that after the crossover point, saving additional money has diminishing impact on retirement outcomes

portfolio $2 M at 8% → $4.3 M in 10 years without contributions; adding $20,000 / yr adds only ~$200,000 to final $4.6 M

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