What if I told you there's a simple rule that could turn your $10,000 investment into over $250,000?
如果我告訴你，有一個簡單的法則能將你的一萬美元投資變成超過二十五萬美元，你會怎麼想？
00:07
It's not magic, it's math. The 843 rule is a powerful concept that shows how your money can grow exponentially over time. Let's break it down and see how this could work for you.
Have you ever heard of compound interest? It's like a snowball rolling down a hill, getting bigger and bigger as it goes. That's what happens to your money when you invest it wisely.
你聽過複利嗎？它就像滾下山的雪球，越滾越大。當你明智地投資時，你的錢就是這樣增長的。
00:30
The 843 rule helps us understand this growth in three phases. Here's the deal.
843法則幫助我們理解這種分三個階段的增長。事情是這樣的。
00:37
You invest a little bit each month and over time your money grows. But it's not just about how much you save, it's about how long you let it grow. The 843 rule shows us that in the first eight years your money grows steadily. Then in the next four years it doubles. And in the last
three years that's when things get really exciting. Breaking down the 843 rule. But what does this 843 rule really mean for your money? Let's break it down and see how your investment could grow over time. Think of the 843 rule as a roadmap for your financial journey. It's split
into three phases each with its own growth pattern. The first phase lasts eight years. This is where you lay the foundation. Your money grows steadily but it might not feel like much is happening.
Don't get discouraged. This is normal. Let's say you start with $10,000 and add $500 each month.
不要氣餒。這是正常的。假設你從一萬美元開始，每月再投入五百美元。
01:31
After eight years you might have around $80,000. Not bad, right? But here's where it gets interesting.
八年後，你可能會有大約八萬美元。還不錯吧？但有趣的地方來了。
01:37
The next phase is four years long. This is when your money starts to pick up speed.
下一個階段為期四年。這時你的錢開始加速增長。
01:42
Remember that snowball we talked about earlier? It's getting bigger and rolling faster now.
還記得我們之前提到的雪球嗎？它現在變得更大，滾得更快了。
01:47
By the end of these four years your investment could double that $80,000 might turn into $160,000 or more. But wait, there's more. The last phase is just three years long but it's where the real magic happens. This is when your money starts growing exponentially. It's like your investment
has a life of its own. Making money while you sleep. By the end of these three years your initial $10,000 plus monthly contributions could turn into $250,000 or even more.
Now you might be thinking, this sounds too good to be true but it's not magic, it's math.
現在你可能會想，這聽起來好得不像真的，但這不是魔法，而是數學。
02:24
The power of compound interest is working for you. Your money is making money and then that new money starts making money too. Here's the key, patience and consistency. The 843 rule shows us that the longer you let your money grow the more powerful the effects of compounding become.
It's not about getting rich quick. It's about giving your money time to work for you.
這不是關於快速致富。這是關於給你的錢時間為你工作。
02:47
Remember, these numbers are just examples. Your actual results will depend on many factors like your investment choices, market conditions and how much you contribute. But the principal remains the same. Start early, be consistent and let time do the heavy lifting. The truth is building wealth
isn't about fancy strategies or inside information. It's about understanding simple principles like the 843 rule and sticking to your plan. So, are you ready to put this rule to work for you?
The math behind the magic. Now that we've seen the big picture, let's zoom in and look at the actual numbers. How does this 843 rule really work? Let's break it down step by step. Remember that $10,000 investment we talked about earlier? Let's see how it grows over time with an 8%
annual return. In the first 8 years, your money starts its journey. It's like planting a seed and watching it sprout. By the end of this period, your $10,000 has grown to about $18,799.
Not bad, right? But this is just the beginning. Now, let's move on to the next 4 years. This is where things start to get interesting. Your investment keeps growing. And by the end of this phase, it's reached around $25,701. That's a pretty significant jump from where you started,
isn't it? But here's where the magic really happens. In the final 3 years, your investment takes off like a rocket. By the end of this period, your initial $10,000 has grown to about $32,888.
That's more than triple your original investment. Did you notice something? The growth in those last 3 years was almost as much as the total growth in the previous 8 years. This is the power of compound interest at work. Your money isn't just growing. It's growing faster and faster over time.
Now, you might be wondering, why does it work this way? The answer lies in the way compound interest works. Each year, you're not just earning returns on your original investment.
現在，您可能會想，為什麼會這樣呢？答案在於複利的作用方式。每年，您不僅僅是從原始投資中賺取回報。
04:56
You're also earning returns on the returns from previous years. It's like a snowball effect getting bigger and bigger as it rolls down the hill. This is why patience is so important when it comes to investing. The early years might seem slow, but they're setting the foundation for explosive growth later on. As Warren Buffett says, it's not about getting rich quick.
It's about getting rich for sure. Of course, it's important to remember that these numbers are just examples. Real-world investments can go up and down, and past performance doesn't guarantee future results. But the principle remains the same. The longer you let your money grow,
the more powerful the effects of compounding become. So, what does this mean for you?
複利效應就越強大。那麼，這對您意味著什麼呢？
05:43
Well, it shows that starting early and staying consistent can have a huge impact on your financial future. Even if you can't invest $10,000 right away, starting with what you can and adding to it regularly can lead to significant growth over time, applying the 843 rule to your financial goals.
Now that we've seen how the 843 rule works, you might be wondering how to apply it to your own financial goals. Can this simple rule really help you plan for retirement, safe for a home, or fund your education? Let's find out. First, let's talk about retirement planning.
The 843 rule shows us that starting early is key. Even if you can only set aside a small amount each month, the power of compounding can turn those modest savings into a substantial nest over time. For example, if you start investing in your 20s or 30s, you're giving your money
more time to grow. The truth is those early years of saving are crucial, even if it doesn't feel like you're making much progress at first. But what about saving for a home? The 843 rule can work here too. Let's say you commit to investing $500 monthly in a mix of stocks, index funds,
and REITs. In just four years, you could potentially grow your portfolio to over $102,000.
在短短四年內，您的投資組合可能會增長到超過 102,000 美元。
07:04
That's a solid down payment for many homes. The key here is consistency and diversification.
這對許多房屋來說是一筆可觀的首付款。關鍵在於一致性和多元化。
07:11
Now, let's consider funding education. Whether it's for yourself or your children, the 843 rule can help here as well. For instance, if you invest $5,000 in three different assets and achieve an 8% annual return, you could have approximately $21,000 in four years.
That's a significant contribution to education expenses. The reality is no matter what your financial goal is, the principles of the 843 rule remain the same. Start early, stay consistent, and diversify your investments. It's not about getting rich overnight. It's about giving your
money time to work for you. Here's something to think about. Have you ever put off saving because you thought you didn't have enough to make a difference? The 843 rule shows us that even small amounts invested consistently over time can grow into significant sums. It's not about how
much you start with, but how long you let it grow. Remember, staying consistent with your investments is crucial. One way to do this is by automating your contributions. Set up automatic transfers to your investment accounts each month. This way, you're building your wealth without
even thinking about it. The bottom line, whether you're planning for retirement, saving for a home, or funding education, the 843 rule can be a powerful tool in your financial toolkit. It's all about harnessing the power of compound interest and giving your money time to
grow. So why not start applying this rule to your financial goals today? The path to financial freedom. Now that we've seen how powerful the 843 rule can be, you might be wondering what's next.
Is this just about numbers or is there something more? The truth is, understanding this rule is just the first step on your path to financial freedom. Let's look beyond the math and see how this knowledge can change your life. Have you ever dreamed of quitting your job and pursuing your
passions? Or maybe you've imagined traveling the world without worrying about money. These aren't just daydreams. They're real possibilities when you apply principles like the 843 rule consistently over time. It's not about getting rich overnight. It's about building a solid
foundation for your future. So what's stopping you from starting today? Remember, every financial journey begins with a single step. Why not make that step right now? Write compound interest in the comments section if you want more videos related to this topic. We will catch you in the
