Agreed, i didn’t talk about option c) time. However, even if we extend the analysis i cannot get it there with ease. It is a shame we cannot just ask her about

Agreed, i didn’t talk about option c) time. However, even if we extend the analysis i cannot get it there with ease. It is a shame we cannot just ask her about her contribution amounts and timing! I don’t recall the source but i was recently reading about a long term study on insider trading and it was found to be somewhat common. Like damn, i even have insider tips i could offer (don’t ask, i won’t!) but I’m not the only one with this info and some of the people i work with I’ve witnessed do questionable things in other areas of life that lead me to think it’s possible they might wink the right way as they talk to someone that shares a tip. At the end of the day investing is something we should probably all do, but i wouldn’t use this as an example of what most people will achieve. It demonstrates a very happy outcome, and while i think it shows what can happen, i wouldn’t call it average, I’d still have to say she did better than most; she beat the market, somehow, either through info or by having more time to execute a better strategy that most cannot achieve.