Task

Invest / contribute to retirement

+80 XP+40 gems

Why this matters

Why bother?

Compound interest is the most powerful force for long-term wealth. Even small monthly contributions in your 20s become huge by retirement.

How often

Monthly.

Pro tip

Set up automatic transfers. Decision-making is the enemy of consistency.

What happens if you skip

Skipping your 20s of compounding can cost you 50%+ of your retirement savings.

Photo = +50% bonus