In this episode, Erik Kroll returns to unpack some of the most foundational—but often misunderstood—concepts in personal finance: compound interest, inflation, the time value of money, and opportunity cost. We explore how these forces quietly shape your financial future, why early investing pays off exponentially, and how to make smarter long-term decisions by understanding the real cost of every dollar and delay. If you've ever wondered why "starting early" matters or how inflation eats away at your savings, this episode delivers the clarity you need. Learn more about Erik or get in touch at hilltopfa.com.
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