The Importance of Proper Orientation

At 2% interest, which is quite possible these days with deposits. You need to save 309 pounds, 74 a month to get that 32,217. But at 5% interest or 5% growth, you only need to save 273 pounds per month. So 36 pounds, months less. Now, of course, if I can only afford to save 200 pounds a month, well, you know, I might not reach my goal. In eight years, as we've said, a lot can happen. And number two, trajectory is more important than specifics because specifics just become far too woolly over these long time horizons. Number three, know the headwinds and plan for them.