You've spent a lifetime accumulating your wealth... [Shield] AN OXFORD CLUB PUBLICATION [Liberty Through Wealth]( [View in browser]( SPONSORED [419 Times More Income]( EDITOR'S NOTE [One company - trading for less than $5 - recently had one of the greatest months ever.]( The company produced $22 billion in revenue... its best month on record. In turn, the stock is marching higher... And when you see what this company does... I think you'll understand why it's being called ["the best stock to retire on."]( [Learn more about this amazing stock here. (While it's still less than $5...)]( - Nicole Labra, Senior Managing Editor THE SHORTEST WAY TO A RICH LIFE [You've Built It... Now Use It]( [Alexander Green, Chief Investment Strategist, The Oxford Club]( [Alexander Green]( As a young man in my 20s, I looked around my various workplaces and recognized two broad categories of co-workers. One group had to be goaded to work. The other had to be reminded to stop. (Most folks work to live. But some live to work.) There are a lot more people in the first group, especially in jobs that are not particularly interesting or challenging. As I got to know my colleagues better over the years, I also found there were two general approaches to saving. Some, including quite a few high-income earners, spent everything they made. Others, including quite a few modest-income earners, lived beneath their means and saved religiously. As the years turned into decades, many men and women in the latter group became quite wealthy. They are the ones Senators Bernie Sanders and Elizabeth Warren refer to as "the fortunate few" or "life's lottery winners." (As if spending everything they earn is not a choice for most Americans but simply a matter of chance.) When money compounds at a high rate for a long period of time, something amazing happens. It turns into a bigger pile than you would imagine. SPONSORED [New Bitcoin Projection: $165,000 in the Next 18 Months]( [Crypto Bull]( New Bitcoin ETFs... Trillions in Cash Pouring in… Crypto is Set to Experience Another Major Bull Run. And It's One Particular Catalyst That Could Set Off a New Run Projected to Hit $165,000 Per Coin. The Event is Scheduled for April 22. [See Why This Will Send Crypto Soaring Again Here.]( There's a reason Albert Einstein called compounding the most powerful force in the universe. To illustrate, imagine that a wealthy employer offered you an important job for one month and gave you a choice of compensation. He would pay you $1,000 a day for 30 days. Or he would pay you a penny the first day and twice as much every day thereafter until the end of the month. In other words, you would receive $0.02 the second day, $0.04 the third day, and so on. You would earn $1.27 the first week and receive a total of $163.83 by the end of the second week. Most people instinctively say they would take the first offer, knowing they would earn $30,000. But compounding makes the second offer far better. You would earn more than $10.7 million. (If this sounds impossible, visit a [compound interest calculator]( online.) Now, here's a news flash: You will never compound your money at a 100% rate. And especially not from one day to the next. (On the positive side, your portfolio is probably worth a lot more than a penny.) Yet compounding money at a much lower rate still turns it into a substantial sum over time. It turns into so much, in fact, that many people who work hard, save regularly and invest smartly don't realize what will ultimately happen. They will die with an enormous amount of their wealth unspent. Shrouds don't have pockets. Hearses don't have luggage racks. You know that you can't take it with you. You understand that - despite bumper stickers to the contrary - he who dies with the most toys doesn't win. So what is going on here? Many investors don't realize that as their health inevitably begins to decline, their wants and needs will decline as well. Yet their life savings will keep compounding. In other words, they are not spending enough - or giving away enough - while they are young enough to enjoy it. This is something I've been thinking about a lot since I read [Die With Zero]( by Bill Perkins, a successful hedge fund manager and tournament poker player. Perkins makes a provocative argument. He insists that rather than accumulating more and more wealth to enjoy during your so-called golden years, you maximize your spending now while you're healthy enough to create memories with the people you care about most. This strategy is not for everyone, obviously. Folks who have saved too little - or generated low returns on their investments - need to keep working, saving and investing to attain greater financial independence. However, I know plenty of people who have done an excellent job of saving and investing yet developed a mindset along the way that prevents them from enjoying it. For example, it makes perfect sense during the long wealth accumulation phase of life to keep a sharp eye on spending... to reinvest interest, dividends and capital gains... and to never touch principal unless there is a financial necessity. But this is not the best mindset during the decumulation phase of life, when you have enough. Or more than enough. No one knows how long they will live or at what rate their money will grow or what their total expenses will be, of course. So isn't it risky - or downright foolish - to spend down what you've accumulated over a lifetime? No. There are good ways to estimate how long you'll live and how much you'll need so that you can enjoy what you've accumulated - not just your heirs. And, in my next column, I'll explain what's required. Good investing, Alex [Leave a Comment](
[The Oxford Club's Wealth, Wine and Wander Tour of Spain - Barcelona, Granada, Seville and Madrid, June 6-16, 2024 (plus special extension through June 21)]( BUILD AND PROTECT YOUR WEALTH - [Proof: New "One Ticker Payouts" (You Can Do This Weekly!)](
- [Looking for the Next Nvidia](
- [Sign Up for the New and Improved GVI Investor. First 75 Today Get Thousands Off and Auto-Entry Into a $15K-Value Dream Sweepstakes!](
- [Buffett Closes in on $1 Trillion]( JOIN THE CONVERSATION [Facebook](
[Facebook](
[LinkedIn logo](
[LinkedIn](
[Email Share](mailto:?subject=A%20great%20piece%20from%20Liberty%20Through%20Wealth...&body=From%20Liberty%20Through%20Wealth:%0D%0A%0DYou've%20spent%20a%20lifetime%20accumulating%20your%20wealth...%0A%0D
[Email Share](mailto:?subject=A%20great%20piece%20from%20Liberty%20Through%20Wealth...&body=From%20Liberty%20Through%20Wealth:%0D%0A%0DYou've%20spent%20a%20lifetime%20accumulating%20your%20wealth...%0A%0D MORE FROM LIBERTY THROUGH WEALTH [Money Exchange]( [The True "Burden" of Wealth]( [International Graph]( [Freedom Isn't Free (But It May Be Profitable)]( [Heads Penny]( [Ignore These Myths About Penny Stocks]( [Joe Biden]( [Investors Should Thank Entrepreneurs - Not Joe Biden - for the Strong Economy]( SPONSORED [America's Secret Oil Crisis]( [Oil pump jacks at sunset]( See how the coming shock could soon trigger a unique, massive payout. [CLICK HERE FOR DETAILS.]( [The Oxford Club]( You are receiving this email because you subscribed to Liberty Through Wealth.
Liberty Through Wealth is published by The Oxford Club.
Questions? Check out our [FAQs](. Trying to reach us? [Contact us here.]( Please do not reply to this email as it goes to an unmonitored inbox. [Privacy Policy]( | [Whitelist Liberty Through Wealth]( | [Unsubscribe]( © 2024 The Oxford Club, LLC All Rights Reserved
The Oxford Club | [105 West Monument Street](#) | [Baltimore, MD 21201](#)
North America: [877.806.4508](#) | International: [+1.443.353.4610](#)
[Oxfordclub.com]( Nothing published by The Oxford Club should be considered personalized investment advice. Although our employees may answer your general customer service questions, they are not licensed under securities laws to address your particular investment situation. No communication by our employees to you should be deemed personalized investment advice. We allow the editors of our publications to recommend securities that they own themselves. However, our policy prohibits editors from exiting a personal trade while the recommendation to subscribers is open. In no circumstance may an editor sell a security before subscribers have a fair opportunity to exit. The length of time an editor must wait after subscribers have been advised to exit a play depends on the type of publication. All other employees and agents must wait 24 hours after publication before trading on a recommendation. Any investments recommended by The Oxford Club should be made only after consulting with your investment advisor and only after reviewing the prospectus or financial statements of the company. Protected by copyright laws of the United States and international treaties. The information found on this website may only be used pursuant to the membership or subscription agreement and any reproduction, copying or redistribution (electronic or otherwise, including on the world wide web), in whole or in part, is strictly prohibited without the express written permission of The Oxford Club, LLC, 105 West Monument Street, Baltimore, MD 21201.