The 401K Shadow
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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
my door… 5%, 7%, 120 months. What does it mean?
Those are 401K growth numbers… compounded… someone is trying to calculate your retirement before you
even get there. Someone is calculating your 401K… but why? Young people… when
numbers appear at night, it means someone is predicting your destiny.
The 401K balance is calculated using the future value formula: FV
= P(1 + r/n)^(nt) + PMT × [ ((1 + r/n)^(nt) - 1) ÷ (r/n)]
Where: P is current balance. PMT is monthly contribution.
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