Time $ Invested

The more time your money is left to earn interest the more it can grow. This is about delayed gratification.

The 'time money invested' in the Wealth Formula is number of periods. The compound interest rate is the percent increase per period.

The longer consumption can be delayed the more time compounding will have to work. The relationship between wealth and time is exponential. doubling the time invested more than doubles gains in an investment. Play with the excel model to check out how time impacts ending wealth.