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Mark_Friedenbach comments on Rationality Reading Group: Fake Beliefs (p43-77) - Less Wrong Discussion
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I was thinking on the order of a year. Here you can get 4% savings rates with a little bit of trickery, which would be $75 after three months, $320 after a full year.
Even if it's just $50, those $50 add up over time. And if you're disciplined to always add more than you take out from savings, the effects of compounding are huge. You're probably leaving a lot more money on the table than you realize.