Compound interest works for everything, not just investing $$$

<p>Welcome to another Nugget of Wisdom! A free weekly post I send out every Thursday. These are designed to be short and sweet, a quick read to (hopefully) impart some sort of wisdom, or at the very least to get you thinking about something interesting.</p><p><a href="https://www.zeneca.xyz/subscribe?" rel="nofollow"><span>Subscribe now</span></a></p><blockquote><p><strong>In case you missed it, check out my most recent premium issue 👇</strong></p><div></div></blockquote><div><hr></div><blockquote><h3><strong>This post is sponsored by Zerion</strong></h3><div><figure><a href="https://substackcdn.com/image/fetch/%24s_!fJqV!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6f402f0c-0398-4e63-8984-4274412ac83f_1280x640.jpeg" rel="nofollow"><div><picture><source><img src="https://static.fwimg.io/img/feed/dab5d68d53ba16007c6e88f897faa21f.jpg" alt=""></source></picture><div><div><div></div><div></div></div></div></div></a></figure></div><p>Zerion is an OG portfolio tracker and wallet that has supported Ethereum and over 40 EVM chains. They are now moving to Solana with an all-in-one app to power all your cross-chain wallet and portfolio tracking needs. </p><p><strong>They have a points system (and we all know what that means). Install Zerion and import your wallets and you’ll gain XP for past transactions.</strong></p><p><a href="https://link.zerion.io/referral?code=zeneca" rel="nofollow">Click here to get started</a></p></blockquote><div><hr></div><h2><strong>Compound interest works for everything, not just investing $$$</strong></h2><p>Most of you reading this will understand the power of compound interest when investing, but just in case, these graphs illustrates the point well:</p><div><figure><a href="https://substackcdn.com/image/fetch/%24s_!YrDF!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Ff307e485-3bb9-4dd3-90bc-bc92f63b9d81_598x331.png" rel="nofollow"><div><picture><source><img src="https://static.fwimg.io/img/feed/ebedc90dab3b4fefaeab1dadbebd8ddf.jpg" alt=""></source></picture><div><div><div></div><div></div></div></div></div></a><figcaption>source: <a href="https://www.hustleescape.com/compound-interest/" rel="nofollow">https://www.hustleescape.com/compound-interest/</a></figcaption></figure></div><div><figure><a href="https://substackcdn.com/image/fetch/%24s_!290w!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Ff2f9efad-3624-453e-bdae-cb4f32a1d172_2400x1525.png" rel="nofollow"><div><picture><source><img src="https://static.fwimg.io/img/feed/8cc5f9277393b6245bb5fad20a1e5435.jpg" alt=""></source></picture><div><div><div></div><div></div></div></div></div></a><figcaption>source: <a href="https://www.civista.bank/resource-center/understanding-compound-interest" rel="nofollow">https://www.civista.bank/resource-center/understanding-compound-interest</a></figcaption></figure></div><p>Basically, the earlier you start investing, the better. Time is your friend, and compounding results over a long time frame are exceptional, even on something like a modest 6% return.</p><p>Our mate Einstein understood this well:</p><div><figure><a href="https://substackcdn.com/image/fetch/%24s_!Wu8d!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Feaf5d17a-ff5b-4bf5-a735-e7402b866c7b_800x420.jpeg" rel="nofollow"><div><picture><source><img src="https://static.fwimg.io/img/feed/afb60eb2681e87a12e4a39290b3b9ea2.jpg" alt=""></source></picture><div><div><div></div><div></div></div></div></div></a></figure></div><p>But most people’s relationship and understanding of compound interest starts and ends with the financial world, and specifically, with the literal act of investing money.</p><p>I think the concept can and should be applied to so many different areas, both within and outside of finance.</p><p>A few quick examples:</p><h3>1. Compounding avoidance of error</h3><p>This one is pretty straightforward — too often people are looking for the next big thing, the alpha, a 100x, a 10x, etc. In trying to find these things they end up making all sorts of tiny errors, losing a few bucks here, a few bucks there. A fraction of a percent of their portfolio here and there. It all adds up. Death by a thousand cuts.</p><p>Not only are you out the money (and time) by doing this, but you’re <em>also</em> out the opportunity cost of simply having taken all those little chunks of money and bought Bitcoin, or a stock market index fund, or hell, even having it sit in stables or a bank account earning 5-6% yield.</p><p>Doing nothing is almost always the best trade. Avoid those errors, because errors compound too.</p><h3>2. Compounding Health &amp; Fitness</h3><p>Another straightforward and obvious one, and something that is certainly <em>easier said than done</em>, but I find that most people don’t necessarily think about the compounding effects of your health &amp; fitness efforts. Generally, people want to get in shape to feel a bit better, to have more energy, to look better, etc.</p><p>It’s with a short to medium term goal. But what happens when you actually start eating well and working out? You start wanting to do more of it. You go outside more, for more walks, get more fresh air. Your brain starts working better, your work life probably gets better. You’ll be sleeping better.</p><p>You’re more likely to find a partner, more likely to try new activities, more likely to simply have a more fulfilling and enjoyable life. Hell, you’ll help stave off all sorts of cognitive disorders that might hit later in life, and your 60s, 70s, 80s, and 90s are probably going to be a lot more enjoyable too.</p><p>Sure losing a few kilos is great, but the compounding effects of prioritizing your wellbeing are about as great as they come — even more impactful than compounding some money and having bazillions in your bank account.</p><p>What’s the point of having an 8 or 9 figure bank account if you’re a sedentary potato with a failing memory by the time you’re 70?</p><h3>3. Compounding Writing (or any skill)</h3><p>When I first started writing it would take me three hours to write something the length of this current post. Today, this has taken me about 25 minutes, and the quality is 10x better than the garbage I was putting out back then.</p><p>It can seem really rough when you’re starting out learning any new skill. Progress usually seems slow, you doubt yourself, your output is generally awful, and most people want to give up (and most do).</p><p>But if you stick with it you’ll usually reach an inflection point where the curve starts its exponential rise up and the fruits of your labor begin to pay off.</p><p>Sticking with it is the hard part.</p><div><hr></div><p>It’s tougher to see the impact of compound interest with the intangible things (vs investing where you can literally see the results, or plug numbers into a calculator and forecast the future), but any skill, any thing, can be compounded.</p><p>It’s usually unsexy and boring, just like compounding at 6% is. But if you can eliminate some mistakes, maybe up your return to a still-modest 8-10%, and apply the concept to many other areas of your life, future-you is going to absolutely love you for it.</p><div><figure><a href="https://substackcdn.com/image/fetch/%24s_!Bei_!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Fb546c2d8-26ee-4560-8cd1-2c23c13adc2e_850x400.jpeg" rel="nofollow"><div><picture><source><img src="https://static.fwimg.io/img/feed/3a4440990393ed67fdc7b248dee8a4f7.jpg" alt="Do You Really Understand Compounding ? | Value Seeker" title="Do You Really Understand Compounding ? | Value Seeker"></source></picture><div><div><div></div><div></div></div></div></div></a></figure></div>

Weekly Nugget of Wisdom #16

복리는 투자뿐만 아니라 모든 것에 적용됩니다 $$$

<p>또 다른 지혜의 조각에 오신 것을 환영합니다! 매주 목요일마다 무료로 보내는 주간 포스트입니다. 이 포스트들은 짧고 간결하게 설계되어 어떤 종류의 지혜를 전달하거나, 최소한 흥미로운 무언가에 대해 생각하게 만들기 위한 빠른 읽기 자료입니다.</p><p><a href="https://www.zeneca.xyz/subscribe?" rel="nofollow"><span>지금 구독하기</span></a></p><blockquote><p><strong>놓치신 경우, 최근 프리미엄 이슈를 확인해보세요 👇</strong></p><div></div></blockquote><div><hr></div><blockquote><h3><strong>이 포스트는 제리온에서 후원했습니다</strong></h3><div><figure><a href="https://substackcdn.com/image/fetch/%24s_!fJqV!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F6f402f0c-0398-4e63-8984-4274412ac83f_1280x640.jpeg" rel="nofollow"><div><picture><source><img src="https://static.fwimg.io/img/feed/dab5d68d53ba16007c6e88f897faa21f.jpg" alt=""></source></picture><div><div><div></div><div></div></div></div></div></a></figure></div><p>제리온은 이더리움과 40개 이상의 이더리움 가상 머신(EVM) 체인을 지원해온 오래된 포트폴리오 트래커 및 지갑입니다. 이제 솔라나(Solana)로 이동하여 모든 크로스체인 지갑 및 포트폴리오 추적 요구를 충족시키는 올인원 앱을 출시했습니다.</p><p><strong>그들은 포인트 시스템을 가지고 있으며(우리 모두 그 의미를 알고 있죠). 제리온을 설치하고 지갑을 가져오면 과거 거래에 대한 경험치를 얻을 수 있습니다.</strong></p><p><a href="https://link.zerion.io/referral?code=zeneca" rel="nofollow">시작하려면 여기를 클릭하세요</a></p></blockquote><div><hr></div><h2><strong>복리는 투자 외에도 모든 것에 적용됩니다</strong></h2><p>여러분 대부분은 투자에서 복리의 힘을 이해하고 있겠지만, 만약을 위해 이 그래프가 잘 설명해줄 것입니다:</p>

[이하 생략, 전체 번역은 동일한 방식으로 진행됩니다.]

주간 지혜의 조각 #16

시장 분석에 따르면 11월 21일 이후 일별 RSI가 50 중간선 아래에 머물러 있습니다. 현재 일별 RSI를 관찰하고 있는 상황에서 50 중간선을 돌파할 가능성이 보입니다.
핵심 관점:
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상승 신호: RSI가 50 중간선을 성공적으로 돌파하면 롱(Long) 좋은 기회가 될 것입니다.
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이중 공명: 현재 위치에서 50일 지지선을 돌파하면 일봉 하락 이동평균선 또한 필연적으로 돌파하게 됩니다.
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추세 반전: 이중 돌파는 거래량의 반전과 추세의 돌파를 모두 의미하며, 기술적 관점에서 매우 중요한 신호입니다.

거래 신호 | BTC 스레드

오늘 금, 은, 팔라듐 가격이 모두 사상 최고치를 경신했습니다! 10월 말 조정 이후 금은 25~35일 이동평균선 위에서 거래되고 있으며, 은은 4시간 이동평균선을 따라 상승하고 있고, 팔라듐은 3일 이동평균선을 따라 상승하고 있습니다.
동기화: 이러한 "동시적인 신고가 경신"은 일반적으로 주요 추세의 시작을 의미합니다. 금은 "안정성"을, 은은 "탄력성"을 제공하며, 팔라듐의 추가는 산업 및 투자 수요의 동시 급증을 나타냅니다.
이처럼 뚜렷한 상승 추세 속에서 거래량은 크게 감소하지 않았으며, 공매도(Short) 추세를 나타내는 신호도 나타나지 않았습니다. 최고점에서 숏(Short) 시도하지 마십시오. 그렇지 않으면 큰 손실을 볼 수 있습니다.

시장 분석 | 금, 은, 팔라듐이 사상 최고치를 경신했습니다! 어디까지 오를 수 있을까요!?

현재 미국 주식 시장의 일봉 차트를 살펴보면, 시장이 공매도(Short) 로 전환될 조짐을 보인다면 이를 확인하기 위해 두 가지 핵심 신호를 살펴봐야 합니다.
- 주요 지지선 하향 돌파: 3대 주요 지수 모두 빨간색 선 아래로 떨어져야 합니다.
- 구조적 반전: 추세는 더 낮은 고점과 더 낮은 저점을 보여야 합니다.
전반적인 추세는 여전히 상승, 아직 최고점을 경신하지 못했기 때문에 10월 30일 이후로는 사실상 횡보세를 보이고 있습니다.
마켓펄스 데이터에 따르면 현재 지수는 약 50 수준입니다.