What We'll Uncover

This isn't just a calculator—it's a financial mirror. We'll examine your current investing behavior and show you exactly what it's costing you.

You'll Discover

• Whether your current approach is building wealth or destroying it
• How your investing behavior compares to others your age
• If your return expectations are realistic or setting you up for disappointment
• The specific behaviors that are helping or hurting you

Why This Matters

Most people have no idea what their financial habits are actually costing them. We'll quantify it in real dollars—not hypotheticals.

Every Month Has a Price Tag

When you don't invest $500 this month, you're not "saving" $500—you're spending approximately $12,000 in future wealth. That's what compound interest would have turned that money into.

We'll Calculate

• The exact dollar cost of your current behavior
• What waiting another year will cost you
• How much extra you'd need to invest later to catch up
• The "wealth gap" between your current path and your potential

The Wake-Up Call

Once you see the real numbers, you can't unsee them. That's the point—to make the cost of inaction impossible to ignore.

Not Generic Advice

You won't get "save more money" platitudes here. Based on your specific situation, we'll give you concrete, time-bound actions you can take this week.

What You'll Get

• Specific first steps tailored to your current situation
• Timeline for each action (today, this week, this month)
• Exactly how much to invest and where
• How to address the specific obstacle holding you back

The Commitment

Knowledge without action is worthless. We'll ask you to commit to a specific timeline—because accountability drives results.

Invest Now vs Later Calculator v6.2.1

Designed for: Young professionals (22-29) who want honest, personalized guidance about their wealth-building path.

Our Philosophy

Generic advice doesn't change behavior. This tool diagnoses YOUR specific situation, shows you the real cost of YOUR current approach, and gives you actionable steps tailored to YOUR circumstances.

Methodology

• Compound Interest: Monthly compounding using standard financial formulas
• Return Expectations: Guidance based on historical market data and portfolio composition
• Peer Benchmarks: Based on Federal Reserve data on household wealth by age
• 4% Rule: Sustainable retirement income based on Trinity Study research

Important Limitations

• Results are estimates for educational purposes only
• Market returns are unpredictable and past performance doesn't guarantee future results
• Does not account for fees, taxes, or inflation
• Individual circumstances require personalized professional advice

© 2026 Future Millionaire Playbook by Raymond Sura, CRPC®, EA. All rights reserved.