my roth IRA journey 2019 -> 2026

@moneywithnat

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Why it worked

The video provides a clear, year-over-year breakdown of personal Roth IRA contributions and growth, making a complex financial topic relatable and actionable. The visual progression of numbers and the creator's personal journey serve as social proof and inspiration for viewers to start their own investment journey.

Summary

The creator shares their Roth IRA contribution journey from 2019 to 2026, showing the increase in annual contribution limits and their personal contributions each year. By the end of 2026, their total contributions reached $41,400, with the account value growing to $67,500 due to compound interest.

Structure

1Introduction of Roth IRA journey and starting age
2Year-by-year contribution amounts from 2019-2023
3Increased contribution limits and maxing out accounts from 2024-2026
4Total contributions and final account value
5Inspiration for viewers to start their own accounts

Product placement

Roth IRA (a retirement savings account that allows pre-tax contributions and tax-free growth and withdrawals) ACTS as the subject of the video. Removing it would change the video's topic entirely.

Call to action

Let me know if I can help out in the comments.

On-screen text

my roth IRA journey 2019 -> 2026 2019: $0 2020: $1,400 2021: $6,000 2022: $6,000 2023: $6,500 2024: $7,000 2025: $7,000 2026: $7,500 deposits: $41,400 value: $67,500

Original caption

start today #PersonalFinance #moneywithnat #financial #rothira #investing101

More from @moneywithnat

More breakout videos from this creator.

Transcript

show the real numbers of my Roth IRA. I started at 19 years old. Let's get straight into it. 2019, the legal maximum was $6,000. I contributed $0. 2020, the maximum was $6,000. I contributed $1,400. 2021, I was able to contribute $6,000 and maxed it out for the first year. 2022, I graduated college and entered the workforce. And I was able to contribute $6,000 to max it out that year. 2023, the max went up to $6,500 and I was able to contribute that. In 2024 and 2025, the max went up to $7,000 and I was also able to max that out. And 2026, the legal limit went up again to $7,500 and I was able to max that out for this year too. That brings my total contributions to $41,400. But here's the kicker. The total value of my account, which is contributions plus any compound interest, is $67,500. Seeing raw numbers helped me take action back when I was younger. So I'm hoping this inspires someone to open their accounts today. Let me know if I can help out in the comments.