guaranteed, of course). After 15 years, between contributions and growth, you could have well over $200,000 dollars in future value.
And this is only using the tax savings. It does not count:
• Additional appreciation in a better market • Lower ongoing costs
• Improved quality of life that lets you plan more efficiently • Reduced financial stress that frees up mental bandwidth
The Compounding Effect
Compounding is one of the most powerful forces in finance. Albert Einstein supposedly called it the 'eighth wonder of the world.' Whether he really said it or not, the message stands. Money that grows upon itself grows faster over time. If you save $12,000 per year by relocating to a lower tax town and you invest that rather than letting it disappear: • After 10 years, you will be ahead by more than $150,000 (depending on returns) • After 15 years, you could be ahead by $220,000 or more • After 20 years, your advantage might exceed $300,000 These numbers are estimates. Your actual results depend on investment choices and market conditions. I am not an investment advisor. I am simply showing how tax savings can be repurposed into something that builds your future instead of draining it.
A Different Way to Think About Taxes
Most homeowners see taxes as a bill. They pay them. They move on.
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