Compound 'interest' does not necessarily mean interest on T-Bills or in a savings account. It can also mean value appreciation in capital assets (e.g. investmen

Compound 'interest' does not necessarily mean interest on T-Bills or in a savings account. It can also mean value appreciation in capital assets (e.g. investments in stocks, property, etc) + dividends. It basically means that any capital asset compounds in value over many years. Let's say the stock market, on average, loses 30-40% in a down year. On the other hand, you usually have 5-7 good years between crashes, where the market appreciates by 10-30% per year. Even if you can't liquidate your stock holdings 'when shit hits the fan', you'll still be making money. Achieving a 20%+ return is realistic if you don't mind taking some risk (not crazy "seed fund a startup" risk, more like general business risk) and you make sure to minimise your taxes. The stock market has been BOOMING for the last 5 years. I have a wealthy friend who told me his net worth doubled over the last 5 years. That's tens of millions in capital growth.