Making a Million $ Presented by: Frances Kwock Based on a book titled: Time is Money Written by: Frances Leonard

FREE Money, If you SAVE Now! From 87 to 95 percent of your million will be free!! No sweating for this money. Won’t need to inherit it, marry it or steal it. However, must constantly fight your desire to spend. Must save, save, save!!! 7/31/2019 Frances Kwock

Surest Route to Wealth without Work Compounding of interest interest that pays interest on the interest reserves its meteoric effects for the final years Time use your youth to make a million compounding needs time to work its miracles 7/31/2019 Frances Kwock

Compounding reserves its meteoric effects for the final years 7/31/2019 Frances Kwock

Use your Youth to make a Million! Look at all the free money you’ll get just for being young. The out-of-pocket cost for the 20-year-old is $40,890 ($959,104 free), for the 25-year-old is $60372 ($939,628 free), for the 30-year-old is $88,464 ($911,536 free), for the 35-year-old is $128,304 ($871,696 free) 7/31/2019 Frances Kwock

Monthly Investment Plan @10% If you make your last payment at age 67 and your first payment at: 20 then pay $71/mo. 22 $87/mo. 24 $106/mo. 26 $130/mo. 28 $159/mo. 30 $194/mo. 32 $238/mo. 7/31/2019 Frances Kwock

Can’t Afford It! Do You Really Need a Million? You will have this much money if you invest $50 monthly @10%, ending on your 67th birthday and beginning when you turn: 20 $708,705 21 $640,959 22 $579,636 23 $524,125 24 $473,875 25 $428,389 26 $387,215 27 $349,942 28 $316,203 7/31/2019 Frances Kwock

General Assumptions Retirement age is 67 years old Calculations use monthly compounding Investment vehicles are stocks, bonds or mutual funds Rate of return at least matches historical avg. annual return on stocks of 10.3% 7/31/2019 Frances Kwock

IF you want it, you have a ONCE-IN-A-LIFE -TIME chance, it won’t come around again!! 7/31/2019 Frances Kwock

7/31/2019 Frances Kwock