By fully utilizing available working hours, the average worker can retire much earlier.

From the data in my last post, the average worker is WASTING 57 hours of productive time per week.

What would happen if they picked up a job that paid only $4 an hour for this wasted time?

$4 x 57 = $228 more a week.

US worker: $1003 / 102 = $9.83/hour
California: $1100 / 102 = $10.78/hour
Los Angeles: $1092 / 102 = $10.71/hour

$228 a week = $11,856 a year.

So let's look at the effects of this cash flow of $11,856 a year on an average worker. After taxes, let's say this works out to $8,300. Let's imagine that they invest the entire amount in the market with a 10% annual return, and that inflation averages 3% and that the cash flow grows at the rate of inflation. Look at the PV of savings from this cash flow alone, when the worker starts at age 21.

Age 30: $112,661
Age 40: $327,168
Age 50: $736,363
Age 60: $1,518,092
Age 65: $2,145,212

If you STOPPED the extra work at the age of 30, and just let the $112,661 compound, you'd still end up with an extra $1,090,260 (in today's dollars) at the age of 65. In other words, 9 years of full utilization of available hours translates into being a millionaire at the age of 65 in today's dollars.

Instead of becoming an investment supergenius, playing finance games, the VERY BEST thing to do is maximize your income and minimize your wasted hours when you are young. Work 3 jobs, spend nothing, save every penny you can. Let the investment grow on it's own. You'll end up far better off in the long run.