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Compound interest is not a slogan about getting rich. It is a shape. A sum that grows by a percent also grows the growth. Early on, the line looks lazy. Later, the added part is earning too, and the curve bends up. That is why a patient rate, left alone, beats a dramatic one that keeps getting interrupted. The math is ordinary. The waiting is the hard part.

Compounding is the growth earning growth. Time is the ingredient people skip.

Compound Interest Calculator · U.S. Securities and Exchange Commission, Investor.gov · Year unknown · Factapp