Let’s start by assuming you have $1,000 to invest in an S

But this social awareness was also the reason I had the damn tights on my head in the first place. My five years in America were enough to teach me that the world around me saw White hair as better. Cuter, prettier, cleaner, more fun.

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the development of Google’s advertising platforms — AdWords for advertisers and AdSense for publishers — were led not by executives with business backgrounds, but rather by Eric Veach, a Stanford computer science graduate. Co-founder Larry Page wanted to replace traditional sales teams entirely, but that couldn’t be done by computer scientists alone. To fulfill its vision, Google hired economist Hal Varian in 2002, who would go on to become its chief economist. It was Varian who modeled Google’s digital ad markets on financial markets, replacing salespeople with automated algorithms. But adopting this model also came with trade-offs.

Keep in mind that these numbers do not adjust for inflation, which is usually 2–3% each year. In other words, $1,000,000 fifty years from now won’t go as far as $1,000,000 today. That said, these numbers also don’t account for salary bumps, promotions, or secondary sources of income.

By the time I finished kindergarten, I hardly even considered my God-given puffy halo of frizz on top of my head to be “hair.” After being exposed to a roomful of White girls on a daily basis in my suburban Massachusetts school, combined with my general perceptions of what society considered to be attractive, I had become desperate to be White. And I knew I was close. I was half White! I figured I couldn’t do anything about the fact that my skin had come out decidedly brown, thanks to my “African American” biological father (who I still know almost nothing else about other than this description in my closed adoption file). However, my skin didn’t really bother me as a child. It was light enough that White people regularly complimented it as being like a “permanent tan” or a caramel candy.

But my hair was a whole other story. My hair did not — to put it simply — hang down. And White people weren’t complimenting that. I stuck with the tights until the moment I realized that, unlike my skin tone, I could do something about my hair to make it look Whiter.

I did this exclusively in the privacy of my bedroom, of course. Even at five, I was sufficiently well-versed in the rules of society to know that I shouldn’t leave the house with a pair of tights on my head.

Saving a fifth of your income is far from unreasonable. In fact, a 20% savings rate is typically the minimum saving recommendation. Setting aside and investing $833 per month, you’ll eclipse seven figures in 26 years.

I spent three decades internalizing the message that if I want to be seen as cute, I have to be seen as White. And my hair was at the root — no pun intended — of all of this.

There’s a pretty obvious pattern here: higher monthly contributions lead to higher exponential growth. So, what if you really lived within your means? What if you saved 50% of your monthly income?

I know saving money is far easier said than done, but it’s mostly within your control. While you can’t live for free, you can cut down on unnecessary purchases or bad spending habits. Even saving an extra $10 a month can significantly improve your future financial well-being.

Lastly, the usual disclaimer, past performance isn’t an indicator of future success. The market has averaged 10% annual growth, but that doesn’t mean it moves at a predictable, positive pace — or that future gains are guaranteed. It’s just a reasonable assumption.

I know saving money is far easier said than done, but it’s mostly within your control. While you can’t live for free, you can cut down on unnecessary purchases or bad spending habits. Even saving an extra $10 a month can significantly improve your future financial well-being.

Half a century is a long time to patiently wait for your investments to grow. So, let’s ramp up your savings. What if you cut back a bit on your lifestyle expenses and save 10% of the average monthly income ($417)? That timeline shrinks to 32 years.

And that’s based on the median household income. If you earn more or have a dual-income household, your earning potential is much higher — and your path to $1,000,000 can be much shorter.

It all started one day when I was five years old and realized that I could put a pair of my church tights on my head to pretend that I had long, straight hair that hung down my back like all of the other girls in my kindergarten class.