1. Making a Million $ Presented by: Frances Kwock Based on a book titled:
Time is Money
Written by: Frances Leonard

2. FREE Money, If you SAVE Now!
From 87 to 95 percent of your million will be free!!
No sweating for this money.
Won’t need to inherit it, marry it or steal it.
However, must constantly fight your desire to spend.
Must save, save, save!!!
7/31/2019
Frances Kwock

3. Surest Route to Wealth without Work
Compounding of interest
interest that pays interest on the interest
reserves its meteoric effects for the final years
Time
use your youth to make a million
compounding needs time to work its miracles
7/31/2019
Frances Kwock

4. Compounding reserves its meteoric effects for the final years
7/31/2019
Frances Kwock

5. Use your Youth to make a Million!
Look at all the free money you’ll get just for being young. The out-of-pocket cost for the 20-year-old is $40,890 ($959,104 free), for the 25-year-old is $60372 ($939,628 free), for the 30-year-old is $88,464 ($911,536 free), for the 35-year-old is $128,304 ($871,696 free)
7/31/2019
Frances Kwock

6. Monthly Investment Plan @10%
If you make your last payment at age 67 and your first payment at:
20 then pay $71/mo $87/mo $106/mo $130/mo $159/mo $194/mo $238/mo.
7/31/2019
Frances Kwock

7. Can’t Afford It! Do You Really Need a Million?
You will have this much money if you invest $50 ending on your 67th birthday and beginning when you turn:
$708,705
$640,959
$579,636
$524,125
$473,875
$428,389
$387,215
$349,942
$316,203
7/31/2019
Frances Kwock

8. General Assumptions Retirement age is 67 years old
Calculations use monthly compounding
Investment vehicles are stocks, bonds or mutual funds
Rate of return at least matches historical avg. annual return on stocks of 10.3%
7/31/2019
Frances Kwock

9. IF you want it, you have a ONCE-IN-A-LIFE -TIME chance, it won’t come around again!!
7/31/2019
Frances Kwock

10. 7/31/2019
Frances Kwock