I recently had a conversation with a friend who has spent decades in the financial industry. I asked him a simple question:

"If you could tell every person one thing - forget the budgets, forget the products - what would it be?"

Without hesitating, he said: the Rule of 72.

I'd heard of it before, but his passion for it made me stop and really think about it. So today, I'm passing it along to you.

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Here's how it works:

Divide 72 by your expected interest rate, and that tells you roughly how many years it will take for your money to double.

That's it. Simple math. Powerful truth.

A few examples:

• Money earning 6%?

It doubles in about 12 years. (72 ÷ 6 = 12)

• Money earning 8%?

It doubles in about 9 years. (72 ÷ 8 = 9)

• Money earning 12%?

It doubles in about 6 years. (72 ÷ 12 = 6)

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Here's why this matters:

Time is your greatest financial asset - and most of us don't fully believe that until it's later than we'd like.

The Rule of 72 makes compounding interest tangible. It stops being a concept you nod at and starts being a number you can actually feel.

$10,000 earning 8% doesn't just grow - it doubles in 9 years. Then it doubles again. And again. That's not luck. That's math working quietly in your favor while you live your life.

My friend's point wasn't really about percentages. It was about this: the earlier you start, the more doubles you get.

So, if you've been waiting for the "right time" to start investing - this is your nudge. You don't need a perfect plan. You just need to begin.

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Cheering for you,

Jenny

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See you next week!