The Real Number Where Compounding Catches Fire

Most people quit right before compounding catches fire.

It’s not at $1 million.

The real crossover point is way lower, around $250k–$350k, where the market finally starts doing more work than your contributions.

Your brain is wired for linear growth.

Exponential growth looks like nothing… until it explodes.

$80k → $1.28 million in four doublings (~29 years at historical S&P returns).

Survive the “invisible decade.”

Don’t quit on day 28 of the lily pad.

Credit: Tom - Lazy Investor