Layers, then gravity
You stack the first few layers — a little every month. After that, gravity does the work: the returns earn returns, and the snowball becomes an avalanche you never had to push. That acceleration is the whole trick, and it only shows up if you give it time to roll.
Time beats money
The Head Start pays in a fraction of what the Steady Saver does and still finishes ahead. Ten early years out-earn decades of later ones. It's not about earning more — it's about starting sooner. Nobody's ever too late, but everybody's a little early exactly once: now.
This isn't about getting rich
It's about options. A pile that quietly compounds is the freedom to say no, to walk away, to choose. Independent, in control, answering to no one about money. That's what Future You is buying — and the cheapest way to buy it is early.
The fine print, honestly
Real markets don't return a smooth 7% every year — some years hurt. This is a constant-rate teaching model, not a forecast, and it ignores taxes and fees. The shape of the lesson holds regardless; the exact dollars won't. Not financial advice — just Future You, doing the math.