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If I was younger than i am today? I would have invested and have 30000 more than I currently have. Learn how!

If I reflect on my life and was to go back to around my 25th year of life then my world was very different.

I had graduated with a degree was in a good job but my focus was on working hard (no bad thing) and partying hard (also no bad thing)!

However, this would mean spending c. 100 per evening after work for mostly 5 days a week due the socialising that went on after work.  So, in total I probably spent c. 500 per week or 2000 per month on social activity.

Now I am not suggesting that social activity is a bad thing – after all, how do you meet people have a laugh and indulge in some fun of all sorts?

The question then would be – what if I had only spent 50% of what I did spend and then invested the other 50%. What would this mean to me today?

It would mean after 20 years of investing that I would have invested over 1000 per month per year resulting in 24000 invested without taking into account any capital appreciation or indeed any dividend payments.

Assuming dividend payments taking from income paying investments from 10 years this could be roughly worth 600 per year in dividend payments per year or another 6000 income in total over and above the 24000 invested so a result of 30000 invested after 20 years without capital appreciation.

Adding capital appreciation then say this was a conservative 3% per year then this would result in c. 30 per year in year 1 rising to 300 in year 10 so another upside overall to the 30000 conservative estimate if only if I had spent 50% of what I did at 25 to 45 on social drinking and eating.

Have you wondered how this would be affected if everyone socialising paid their way?

I am sure we all know of at least one person in our social group who seems to struggle to put their hand in their pocket?

Well based on the example above how much would they have invested over the same period do you think?  The mind ponders.

Be enlightened and educate the next generation!

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