Title: "Loan-Heavy Lifter" Tagline: "Loan-Heavy Lifter": How Dr. Anya Calculated Her Portfolio's CAGR to Outpace Student Debt and Achieve Early Financial Independence Problem: Dr. Anya Sharma, a 35-year-old physician, feels trapped. She's diligently paying down her massive $280,000 student loan debt while also contributing the maximum allowed to her 401(k) and Roth IRA. She wants to know if her current investment strategy is aggressive enough to outpace her loan interest and achieve financial independence sooner rather than later. She needs a way to objectively measure her investment performance and adjust her allocation if necessary. Her fear is that she's working incredibly hard but not making meaningful progress toward her financial goals, given the substantial debt overhang. Solution: Using the Golden Door Asset CAGR Calculator, Dr. Anya calculated the compound annual growth rate of her investment portfolio over the past 5 years, factoring in her consistent contributions. She discovered her CAGR was 8.5%. Comparing this to the effective interest rate on her student loans (6.8%), she realized her investments were indeed growing faster than her debt. Further analysis revealed areas within her portfolio that were underperforming, prompting her to reallocate to higher-growth opportunities, potentially increasing her overall CAGR. By identifying the ROI and understanding her tax advantages she made better choices about her asset allocation. ROI: By identifying and reallocating underperforming assets, Dr. Anya projects an increase in her portfolio's CAGR by 1.5%, potentially saving her $35,000 in interest payments over the remaining loan term. She will also be able to reallocate an additional $500 per month toward loan repayment by optimizing her investment strategy, allowing her to pay off her loans approximately 2 years sooner and realize early financial independence. Description: See how a debt-laden physician uses CAGR to assess investment performance and strategically plan for aggressive debt repayment while maxing out retirement contributions. This case study demonstrates smart financial planning, even under significant financial pressure, paving the way for future wealth building. Category: Client Service