No Non-Cents Blog

For generations, American babies have entered the world with a fairly predictable financial situation. They have no job. No income. No credit score. No idea what a mortgage is. And, despite contributing absolutely nothing to the household, they somehow manage to generate thousands of dollars of annual expenses. It is not a great business model. But beginning in 2026, millions of American children can add something new to their financial résumé : Investment account owner. Welc

Most people underestimate what consistency can do. Investing doesn’t usually create wealth overnight — it builds gradually, quietly, and then suddenly. Kind of like gray hair, lower back pain, or realizing your favorite songs are now considered “classic hits.” So what actually happens if you invest $1,000 every month for 30 years? The answer is surprisingly powerful. The Math Behind Consistency If you invest $1,000 per month for 30 years, you would contribute: 1000 \times 12