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The 401K Shadow

T
Created December 11, 2025

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Video Transcript

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Wambua… my future savings are disappearing… and every night, someone leaves the same numbers outside

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my door… 5%, 7%, 120 months. What does it mean?

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Those are 401K growth numbers… compounded… someone is trying to calculate your retirement before you

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even get there. Someone is calculating your 401K… but why? Young people… when

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numbers appear at night, it means someone is predicting your destiny.

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The 401K balance is calculated using the future value formula: FV

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= P(1 + r/n)^(nt) + PMT × [ ((1 + r/n)^(nt) - 1) ÷ (r/n)]

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Where: P is current balance. PMT is monthly contribution.

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