This week on Replace Your Paycheck, Robert Lettin breaks down the ultimate investing "cheat code": Time. Inspired by a viewer’s question, Robert shifts the focus from just "having more money" to the real goal—creating a sustainable paycheck that buys your freedom so you can stop doing what you have to do and start doing what you want to do. He explores the 4% withdrawal rule, explaining how a $2.5 million nest egg can generate a $100,000 annual income. The highlight is the "Susan vs. Kim" story, a mind-blowing comparison proving that starting early is far more powerful than investing more later in life. Whether you have $10 or $1,000, it’s time to put the clock to work for you and build a tax-efficient income stream that lasts.

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