Regret Simulator
Procrastination has a price. See exactly what waiting on a big money decision costs you in lifetime wealth and years of freedom.
What are you delaying?
Each is compared against acting today.
Your situation
$
$
$
$
%
Projections compound to age 65 and detect financial independence at 25× annual spend. Educational only.
46
Regret ScoreThe cost of waiting
If you wait 5 years, your projected net worth decreases by $348,650.
Investing $600/mo starting now vs. 5 years from today.
Act now @ 65
$1.4M
If you wait @ 65
$1M
Lost wealth
−$348.7K
FI delayed
4 yrs later
FI at age 68 (vs 64)
Lost wealth over time
Acting today vs. waiting — the gap is the regret.
What this means
Waiting to start investing by 5 years is projected to cost you $348,650 in net worth by age 65, and push financial independence back by 4 years. The earlier you act, the more time does the heavy lifting.