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From the Ramsey Network app, Isaiah steps in it. You keep saying to invest $100 a month beginning

at age 30 and you'll be worth $5 million at it 70 years old. That's the most ridiculous thing

I've ever heard because the life expectancy of a white

male is 72 and for a black male it's 68. That means most people will never live to live to see

$5 million. Help me make sense of this advice. Well, you don't really want me to make sense of this

advice because you think it's ridiculous. So let's start with your belligerency to start with.

But the answer to your question is, number one, you have all of your numbers wrong.

So it's hard to make a cogent argument when you have your numbers all wrong.

We have never said $100 a month from $30 to $70.

It's $5 million.

It's $1,176,000.

And that would be true of $20 to 60 or $25 to 65,

any 40-year period of time you wanted to pick.

And so you could align that with, okay, start when you get out of high school

saving $100 a month at 18. And at 58, you would have $1 million, not $5 million. I never said that.

$1,000, $176,000. Also, the average life expectancy of a white male is not 72 years old. I don't know where you're getting your data,

but the national vital statistics system at the National Center for Health Sciences says in

2023, the average male death age is 75.8 years, 76 years, period. Average female is 81 years old when they die.

Now, that includes infant mortality and teenage death, which we can all agree that most

teenagers are not saving and most infants are not saving.

So once you make it to age 65, my age and you're healthy, well, not even healthy, once you make it to age 65, my age and you're healthy, well, not even healthy.

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