The system is not broken. It is working exactly as designed, transferring wealth from those who don't understand money to those who do. You just stopped being in the first group.
None of this requires perfection. It requires a decision: to take it seriously, to start where you are, and to keep going. The best time to start was ten years ago. The second best time is today.
"The most powerful force in the universe is compound interest, but only if you start. Every year you wait is a year that growth worked for someone else."
Paraphrasing Einstein, applied to your retirement accountThis site is for educational purposes only. It is not financial advice. Do your own research, understand the risks, and consider consulting a fee-only fiduciary financial advisor before making major financial decisions. Past performance of any asset (including Bitcoin) is not indicative of future results.
Last updated 2026-04-14. Not financial advice. Do your own research.