https://www.azquotes.com/quote/1351262#:~:text=like%20compound...-,Knowledge%20and%20productivity%20are%20like%20compound%20interest.,do%2C%20the%20more%20the%2

https://www.azquotes.com/quote/1351262#:~:text=like%20compound...-,Knowledge%20and%20productivity%20are%20like%20compound%20interest.,do%2C%20the%20more%20the%20opportunity https://www.azquotes.com/quote/1351262#:~:text=like%20compou.... So the use of what you have is like the interest rate, more important long-term than the premium/starting amount.