The Library — Screwcap Games

You have money left at the end of the month. That was the hard part and you have already done it. This is the part nobody sat you down for: what the leftover actually does over fifteen years, lived one at a time, once the fees, the tax and your own changes of mind have had their turn.

Whose fifteen years?

The weather

Which fifteen years

A flat decade for a lump sum is not a flat decade for somebody still buying. The contributions land cheap and nobody enjoys it at the time.

Account

You will not see this year’s market before you decide where the money goes — only what already happened, same as it works for everyone else. A bill that lands this year is the one thing you’re warned about in advance, so a buffer decision can actually anticipate it.