An original illustration created by Devery “Rusty” Cagle, first use May, 2018, shows how a single decision about $100,000 in annual savings can compound for a family or against it over 20 years, with both outcomes drawn as mirror images. For educational purposes only; not tax or legal advice and does not promise future returns. To use or reference this framework contact rcagle@caglefamily.com for permission to reproduce it.