Starting early beats almost everything else in investing—and this episode drives that home with eye-opening math and a brand-new tool for jumpstarting a kid’s retirement. Don and Tom break down the new “Youth Retirement Account” concept (government seed money plus family contributions), compare it to Roth IRAs and 529 rollovers, and show how relatively modest early contributions can grow into millions. Then they pivot to a listener question about a Nationwide indexed annuity and dismantle the sales pitch—exposing hidden commissions, capped returns, and why these products rarely deliver what they promise. It’s a mix of optimism (you can set your kid up for life) and skepticism (don’t fall for complicated insurance products pretending to be investments).0:00 The only near-guarantee in investing: start early, win big1:24 Compounding as the real “eighth wonder”2:28 Turning $50K in your 20s into ~$1M by retirement3:57 Introducing “Youth Retirement Accounts” (YRA concept)5:08 Government $1,000 seed + up to $5,000/year contributions6:59 Why waiting until 24 to access matters (tax rules)7:34 Converting to Roth and the path to ~$3M tax-free9:08 Total cost math: ~$135K to fund a lifetime retirement10:33 Why earned income + Roth IRA is still the gold standard11:40 529-to-Roth rollover strategy (up to $35K)13:06 Gifting strategies: how to ask family to fund accounts15:18 Why even small contributions can create huge outcomes17:37 Listener question: Nationwide indexed annuity pitch19:34 The “no commission” myth and surrender charges20:06 Participation rates, caps, and confusing index formulas21:34 Real-world returns: often 2%–5%, not market-like22:46 When annuities might make sense (SPIAs only)23:29 Why most annuities are sold, not bought24:57 Why RetireMeet doesn’t travel well beyond Seattle26:05 How to submit listener questionsQuestions? Comments? Click!