Financial Literacy

The Rule of 752

Prince Preston

03 Dec 2025 — 1 min read

The Simple Formula That Shows What Your Monthly Spending Really Costs

Most people only think about expenses monthly. Financially educated people think in years - even decades.

That's why the Rule of 752 is one of the most important mindset tools you can learn. It reveals how a single monthly expense quietly eats into your future wealth.

What Is the Rule of 752?

Take any monthly cost and multiply it by 752. That's how much money you're giving up over the next 10 years if you spend it instead of investing.

Why 752?

Because it represents what $1/month can grow into over 10 years at a realistic 7% return. This is financial literacy in one sentence:

Small monthly decisions = massive long - term results

Real - World Examples

$15/month subscription

15 x 752 = $11,280 over 10 years

$80/month in food delivery

80 x 752 = $60,160

$200/month nicer car upgrade

200 x 752 = $150,400

These choices don't feel big month to month, but they dramatically change your net worth.

How to Use This Skill Immediately

Pick one recurring monthly expense

Multiply it by 752

Ask yourself: "Is this worth the 10-year cost?"

If not, redirect that money towards:

Savings

Debt payoff

Investing

Emergency fund

Repeat this process to free up cash for wealth-building

This rule gives you an instant perspective on how your daily habits impact your long-term financial life.

Why This Matters

Financial literacy isn't about restricting yourself. It's about making informed decisions.

The Rule of 752 helps you:

Understand opportunity cost

Identify wealth leaks

Build better habits

create long-term financial stability

This is the foundation of Modern Money Influence - simple, powerful tools that help you take control of your money and your future.

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