Before we start, feel free to listen to my video on this topic of building wealth using leverage instruments as an average income earner: 
Disclaimer: Nothing in this post or any other Finxter material is financial advice. Significant returns often involve significant risks.
How Much Can You Save on a Normal Gov Salary?
A Few Words on GOOG stock
To deep dive into my current views on Google, check out this article on the Finxter blog:
Google Making Billions of AI – The Investment Case for Alphabet
Strategy 1: Accumulate Google Shares
| Year | GOOG | Income | Savings | Cum. Savings | New GOOG shares | Cum. GOOG shares | Investments $ |
| 2015 | $26.79 | $56,000 | $11,200 | $11,200 | 418 | 418 | $11,200.00 |
| 2016 | $37.15 | $56,000 | $11,200 | $22,400 | 301 | 720 | $26,731.17 |
| 2017 | $38.94 | $56,000 | $11,200 | $33,600 | 288 | 1007 | $39,219.16 |
| 2018 | $52.42 | $56,000 | $11,200 | $44,800 | 214 | 1221 | $63,995.79 |
| 2019 | $50.83 | $56,000 | $11,200 | $56,000 | 220 | 1441 | $73,254.68 |
| 2020 | $67.08 | $56,000 | $11,200 | $67,200 | 167 | 1608 | $107,873.69 |
| 2021 | $87.88 | $56,000 | $11,200 | $78,400 | 127 | 1736 | $152,522.90 |
| 2022 | $144.48 | $56,000 | $11,200 | $89,600 | 78 | 1813 | $261,956.81 |
| 2023 | $89.83 | $56,000 | $11,200 | $100,800 | 125 | 1938 | $174,070.85 |
| 2024 | $177.29 | $56,000 | $11,200 | $112,000 | 63 | 2001 | $354,749.16 |
Strategy 2: Add Unsecured Debt to Buy Assets
Here’s the raw data for reference:
| Year | GOOG | Income | Savings | Cum. Savings | New Loans | Debt Outstanding | Interest | Loan Settlements | New GOOG shares | Cum. GOOG shares | Investments $ |
| 2015 | $26.79 | $56,000 | $11,200 | $11,200 | -$20,000 | -$20,000 | -$1,000 | -$4,000 | 978 | 978 | $26,200 |
| 2016 | $37.15 | $56,000 | $11,200 | $22,400 | -$20,000 | -$36,000 | -$1,800 | -$7,200 | 598 | 1,576 | $58,532 |
| 2017 | $38.94 | $56,000 | $11,200 | $33,600 | -$20,000 | -$48,800 | -$2,440 | -$9,760 | 488 | 2,063 | $80,352 |
| 2018 | $52.42 | $56,000 | $11,200 | $44,800 | -$20,000 | -$59,040 | -$2,952 | -$11,808 | 314 | 2,377 | $124,608 |
| 2019 | $50.83 | $56,000 | $11,200 | $56,000 | -$20,000 | -$67,232 | -$3,362 | -$13,446 | 283 | 2,660 | $135,220 |
| 2020 | $67.08 | $56,000 | $11,200 | $67,200 | -$20,000 | -$73,786 | -$3,689 | -$14,757 | 190 | 2,850 | $191,203 |
| 2021 | $87.88 | $56,000 | $11,200 | $78,400 | -$20,000 | -$79,028 | -$3,951 | -$15,806 | 130 | 2,981 | $261,933 |
| 2022 | $144.48 | $56,000 | $11,200 | $89,600 | -$20,000 | -$83,223 | -$4,161 | -$16,645 | 72 | 3,053 | $441,029 |
| 2023 | $89.83 | $56,000 | $11,200 | $100,800 | -$20,000 | -$86,578 | -$4,329 | -$17,316 | 106 | 3,159 | $283,764 |
| 2024 | $177.29 | $56,000 | $11,200 | $112,000 | -$20,000 | -$89,263 | -$4,463 | -$17,853 | 50 | 3,209 | $568,925 |
Strategy 3: Buy Google Stock on Margin
And the raw data, for reference:
| Year | GOOG | Income | Savings | Cum. Savings | New Loans | Debt Outstanding | Interest | Loan Settlements | New GOOG shares | Cum. GOOG shares | Investments $ | Total margin | New Margin Loan | New GOOG shares (from Margin) | Total GOOG | Total Investments | Total Liabilities |
| 2015 | $26.79 | $56,000 | $11,200 | $11,200 | -$20,000 | -$20,000 | -$1,000 | -$4,000 | 978 | 978 | $26,200 | $7,860 | $7,860 | 293 | 1271 | $34,060.00 | -$27,860 |
| 2016 | $37.15 | $56,000 | $11,200 | $22,400 | -$20,000 | -$36,000 | -$1,800 | -$7,200 | 598 | 1,576 | $58,532 | $17,953 | $9,700 | 261 | 2130 | $79,130.94 | -$53,953 |
| 2017 | $38.94 | $56,000 | $11,200 | $33,600 | -$20,000 | -$48,800 | -$2,440 | -$9,760 | 488 | 2,063 | $80,352 | $25,003 | $6,153 | 158 | 2776 | $108,096.79 | -$73,803 |
| 2018 | $52.42 | $56,000 | $11,200 | $44,800 | -$20,000 | -$59,040 | -$2,952 | -$11,808 | 314 | 2,377 | $124,608 | $38,633 | $12,379 | 236 | 3326 | $174,336.14 | -$97,673 |
| 2019 | $50.83 | $56,000 | $11,200 | $56,000 | -$20,000 | -$67,232 | -$3,362 | -$13,446 | 283 | 2,660 | $135,220 | $42,498 | $1,934 | 38 | 3647 | $185,373.75 | -$109,730 |
| 2020 | $67.08 | $56,000 | $11,200 | $67,200 | -$20,000 | -$73,786 | -$3,689 | -$14,757 | 190 | 2,850 | $191,203 | $59,486 | $14,863 | 222 | 4059 | $272,253.21 | -$133,271 |
| 2021 | $87.88 | $56,000 | $11,200 | $78,400 | -$20,000 | -$79,028 | -$3,951 | -$15,806 | 130 | 2,981 | $261,933 | $81,554 | $19,094 | 217 | 4406 | $387,209.97 | -$160,583 |
| 2022 | $144.48 | $56,000 | $11,200 | $89,600 | -$20,000 | -$83,223 | -$4,161 | -$16,645 | 72 | 3,053 | $441,029 | $136,386 | $50,754 | 351 | 4829 | $697,745.03 | -$219,609 |
| 2023 | $89.83 | $56,000 | $11,200 | $100,800 | -$20,000 | -$86,578 | -$4,329 | -$17,316 | 106 | 3,159 | $283,764 | $91,948 | -$51,257 | -571 | 4365 | $392,119.09 | -$178,527 |
| 2024 | $177.29 | $56,000 | $11,200 | $112,000 | -$20,000 | -$89,263 | -$4,463 | -$17,853 | 50 | 3,209 | $568,925 | $175,275 | $78,729 | 444 | 4859 | $861,506.28 | -$264,538 |
Recap
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