Financial literacy tool
What does it really cost?
Not in dollars. In hours of your life. See how many hours of work any purchase actually costs you — after Uncle Sam takes his cut.
Free financial literacy tool · Premier Private PensionsWhat are you thinking of buying?
The real price tag
Simple hours
6.0
hrs at $12.00/hr
(before taxes)
Real hours (after tax)
8.28
hrs to net $72.00
after 27.5% taxes
Almost TWO full workdays for Nike sneakers. Really??? You'll work Monday AND Tuesday just to pay for it. Please — sleep on this one.
Your working hours — each block = 1 hour
Each block = 1 hour · 1 full workday + 17 min · Based on 8-hr workday
Quick examples
Now flip it around.
What could saving do?
Every dollar you save instead of spend compounds into future freedom. See how many hours per day you buy back in retirement — permanently.
Nest egg at retirement
$427k
after 35 years
Monthly retirement income
$2k
guaranteed from savings
Cost of waiting — what delay really costs you
Start now
$427k
full nest egg
Wait 1 year
$399k
-$28k lost forever
Wait 5 years
$301k
-$126k lost forever
Wait 10 yrs
$208k
-$220k lost forever
Ready to take action?
Turn these numbers into a real strategy
These calculators show you the problem. A Private Pension strategy solves it — Tax-Free Growth, a 0% Floor, never any market losses, and/ or a possible $380k plus, in annual Tax-Deferred Pension contributions, right off your top line of business income! This part massively reduces your annual business tax burden!
This tool is for financial literacy and educational purposes only. It is not investment, tax, or financial advice. Actual tax obligations vary by jurisdiction. Consult a licensed financial strategist, CPA, and/or Tax Attorney. © 2026 Premier Private Pensions. All rights reserved.