Is Your Money Working for You?
By Jazmín Campos for the Americano Newspaper
One of the most powerful yet least known discoveries in the world of personal finance is The Rule of 72. This simple formula reveals how compound interest works—and it could mean the difference between achieving financial freedom or staying stuck in a cycle of debt.
What is the Rule of 72?
The Rule of 72 is easy to use:
Take the number 72 and divide it by the annual interest rate your money is earning.
The result is the number of years it will take for your money to double.
For example, if your money is earning 4% interest annually:
72 ÷ 4 = 18
This means your money will double every 18 years.
Now compare that to a 12% interest rate:
72 ÷ 12 = 6
In this case, your money would double every 6 years.
This difference is critical. Investing $10,000 at 4% would turn into about $40,000 in 36 years. But at 12%, that same $10,000 could grow to over $640,000 in the same time.
Two Types of People: Which One Are You?
According to financial education, there are two types of people:
Those who don’t understand how money works — and end up working for it their whole lives. Those who do understand — and make money work for them.
The difference lies in financial education.
Some people save little—or place their money in low-return accounts. Others learn how to grow their money, invest wisely, and secure a strong future for themselves and their families.
Compound Interest: Your Friend or Your Enemy?
Compound interest can be one of your strongest allies or your worst enemy.
If you invest, interest works for you.
But if you’re in debt, especially with high-interest credit cards or loans, interest works against you.
Many people end up paying two or three times what they originally owed—trapped in a cycle of minimum payments that never ends.
The solution? Education, planning, and taking action.
Final Thoughts: Financial Freedom Begins with Knowledge
The Rule of 72 is more than a formula. It’s a wake-up call. It shows us how small decisions today can have massive impacts on our financial future.
So, the question is:
Will you let time and interest work against you… or in your favor?
Take action today.
If no one ever taught you how money works—it’s not your fault. But it is your responsibility to learn now.
Reserve your free spot today:
http://wsbcampaign.com/jazminc
Your financial future starts now!–Jazmin Campos, Licensed Financial Professional
(561)692-5432
