Compounding high earnings and paying no income tax double your wealth-building power. Double your wealth every 7-9 years. $3,000, $284,669, $689,646, $2,068,628 Pay NO taxes or sales commissions. Earn over 10% with 10 low-cost mutual funds. No matter how much we earn, it is better to pay NO taxes and NO commissions so our investments can compound at over 10% per year. Compounding high investment earnings is "the most powerful force in the universe." Compounding is money earning money on its earnings over time. Simple but powerful. When you invest $250 a month, $3,000 a year, in successful businesses, you earn more than a bank CD. After 10 years, you have more than the $30,000 you paid because the businesses paid dividends and the market bid up the value of your shares of the businesses. See chart below. After 20 years, you could have over $200,000 and after 40 years, over $2,000,000. Over time, stocks of growing businesses are the safest investment. Compounding works best when you put your money to work in successful businesses with no income taxes or broker/advisor fees. The table below gives you some idea of how fast your money can grow if you invest it in businesses like the ones whose products you buy every day.