Indeed,the first thing is to believe in yourself that you can create wealth using your own hand too, ppl will never success if they have deny any possibilities even before trying it! I like your second point very much, compounding transaction fees/extra charges do make a difference on wealth in a long run. The example is very clear. In fact, I only learn about the power of compounding interest one year back. Late but I hope not too late. Good sharing！
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Yes, compounding interest can really make or break our banks. Glad that you've learnt the importance of it last year, now it's your time to leverage on it to build your wealth!