Podbit · The Ramsey Show
Jessica, 56, feels embarrassed about having only $127,000 saved. But she has a paid-for home and earns $140,000 per year. Jade's math: pay off the $10K car today, invest $1,750 per month, and by age 70 she has $1.2 million. The game is not over.
Where this was said
At 1:43:20 · chapter starts 1:41:55
Jade picks up where they left off with Jessica and delivers a clear action plan: take the $16,000 in savings, eliminate the $10,000 car loan immediately, and begin investing $1,750/month — roughly 15% of her $140,000 salary [1] — Jade Warshaw "Invest $1,750/mo from 56 to 70 = $1.2M: Jade's math shows that Jessica investing $1,750 per month from age 56 to 70 would produce approxima…" 1:46:59 . Run from age 56 to 70, that math produces $1.2 million. Add a paid-for Bay Area home and Social Security eligibility, and the retirement picture is far more viable than Jessica's fear suggested. Jade's delivery is warm but firm: stop playing, feel good about what you've built, and start now.
Jessica, age 56, has $127,000 in her 401k after years of disability, grad school, and a layoff, but with a paid-for home and $140,000 salary she can still reach $1.2 million by 70.
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