How Much Spending Will Bring You Happiness?

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“Annual income £20.00, annual expenditure £19.97½, result happiness.

“Annual income £20.00, annual expenditure £20.02½, result misery.”

— Mr. Micawber, from Charles Dickens’ David Copperfield

Both the 20th and 21st centuries have provided an opportunity in capital markets unparalleled in history. Anyone can earn money by saving and investing. Returns can be volatile, but the idea of approaching a double-digit average return on investments year after year, safe from hyperinflation, expropriation, or other disruption, is very special.

This phenomenon has created the concept of retirement, where financial assets can grow over a lifetime and eventually replace the need to work. But how do you get your money invested and working early enough to make a difference?

Read the full article by Gene Gard on the Memphis Flyer website

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