Student Worksheet
Maria saved 15 percent of her paycheck starting at 16, putting $50 a month into a high-yield account earning 1.2 percent before opening a brokerage account at 18 with $100 monthly into an ETF averaging a 7 percent return. By 22 her cash reserve topped $4,000 while her portfolio neared $6,000, and after college she split 10 percent each into a 401(k) match and a Roth IRA. A separate example shows $1,000 at 5 percent becoming $1,050 after one year.
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