S&P 500 averages ~10% historically; conservative estimate is 7-8%
✅ Start at Age
❌ Wait Until Age 30
💡 The Power of Starting Early:
Every year you wait costs you exponentially in compound growth. The difference between starting at 19 vs. 30 is massive—often over $1 million!
📚 Chapter 7 of NIL Tax Secrets covers:
Solo 401(k) vs. SEP IRA vs. Roth IRA comparison
How to maximize contributions ($69,000 limit for 2026)