My partner showed me a viral post this week.
A couple with teenage kids admitted they can’t meaningfully help them with college.
When the kids were young, they didn’t make much — so they didn’t save.
Now they make more and can actually save, but not enough to help.
When parents can’t help with college, the impact can be significant.
Education and skill development directly influence earning power. That’s unlikely to change.
Kids locked out of college or trade schools due to finances face real constraints.
And even if they take student loans, graduating with debt means:
Monthly cash flow shrinks
Investing is delayed
Asset purchases are delayed
Less likely to take career risks
Wealth builds more slowly
Lower starting net worth compounds.
So does the drag from debt.
That’s the second-order effect.
Most families assume they’ll “save more later” when income rises.
But income can’t replace lost compounding years.
If your goal is roughly $50,000 for in-state tuition, assuming 6% returns:
When You Start | Yearly Contribution | Total Contribution | % Saved vs Paying $50K Out-of-Pocket |
|---|---|---|---|
At birth | $1,526 | $27,472 | 45% |
5th birthday | $2,498 | $32,475 | 35% |
10th birthday | $4,765 | $38,126 | 24% |
15th birthday | $14,816 | $44,449 | 11% |
Same goal.
Very different burden.
Early investing lets you use time and compounding as your primary leverage.
Wait too long, and you have to replace time with cash.
Time is the only leverage you can’t buy later.
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Wall Street Just Named the Most Crowded Trades of 2026
AI stocks. Metals. Crypto.
Surprise, surprise; gold crashed 16%. Silver plunged 34%. Bitcoin dropped to 1 year lows.
All supposedly "uncorrelated" assets moving in lockstep largely because of overleveraged margin.
JPM strategists warn that the same leverage is still a risk.
Those markets may be recovering now, but cascading liquidations could trigger quickly across several asset classes simultaneously.
So much for diversifying away risk, right?
But get this–
70,819 everyday investors have allocated $1.3 billion fractionally across 500+ exclusive investments.
Not real estate or PE… Blue-chip art. Sounds crazy, right?
Now it’s easy to invest in art featuring legends like Banksy, Basquiat, and Picasso, thanks to Masterworks.
They do the heavy lifting from acquisition to sale, so you can diversify with the strategy typically limited to the ultra-wealthy.
(Past sales delivered net returns like 14.6%, 17.6%, and 17.8% on works held longer than a year.)*
*Investing involves risk. Past performance is not indicative of future returns. Important Reg A disclosures: masterworks.com/cd




