As always "slow but steady wins the race." HBD is a great incentive for me because I have so seldom lived a life that cost significantly less than I made. But I've determined that if I "round off" every post to whole dollars, I could gradually build a balance over time. Add to that the 20%, and it becomes something... especially if you give it 10 years or so!
For sure, that's the trick right...Giving it years to stack. No way we can get it overnight unless we had a lot of disposable income. For now, we just stack every day, over time!
!CTP