This metric is important because the higher the number, the faster the rate of infection.think: compound interest rates. 

The power of compounding will take care of the rest.

@Josh Loayza Right bow is a risky time for hard money lending in general.

They want to install a hanging closet rod, and a shelf in the master closet is bowed but functional.  

Turning the 20k into 40k through my 401k isn’t realistic in 3 years - then again I’m not sure what the long term effect of losing out on the compounding interest would be.

And I believe it will only compound when the economy really hits the shitter. 

So This was me when I was a wee lad, and the way we did it was my dad issued me a 1099, I believe there are limits where the child may not have to file a tax return, but I filed anyway because I was able to put that money into a Roth IRA because having a Roth IRA at 13 gives you so much time to compound that money tax free. 

The answer for those that understand money is you take the money now.  3) Any return is compounded with max leverage. 

Truthfully, I am ok if the business activities do not net me a huge profit per se, if I get to live on the compound.

I've found that foundation is built through books likeThe Slight EdgeThink and Grow RichTribe of MillionairesThe Compound EffectThe 12 Week YearHigh Performance HabitsWealth Can't WaitSet For LifeThe Miracle MorningGet your mind right, and the results are much easier to achieve!