天天說第一桶金是最難的。那麽第一桶金到底是多少？根據下麵的定義，第一桶金2013年相當於42.7萬。
"Finding a pot of gold at the end of the rainbow is everyone’s dream.
But how much would it be worth if you actually did find it? GoBankingRates.com did the math in time for St. Patrick’s Day and came up with $427,000.
The finance-based website determined the value based on the size of a standard clay pot that is 10 inches wide and 9.75 inches deep. Assuming all the space in the pot was filled, the pot would hold 271.36 ounces of gold that would be worth $427,000 based on today’s prices of gold of around $1,575 an ounce.
Of course, if you had just bought gold as an investment a few years ago, you also could have struck it rich. Gold purchased on Nov. 3, 2008, at $722 an ounce would be worth more than twice that based on today’s prices."
https://www.dispatch.com/article/20130315/BLOGS/303159647
根據通貨膨脹2013年的427000，第一桶金大概可以計算成如下的表格。
| Year | Value of first pot of gold |
| 1990 | 239,567 |
| 1995 | 279,343 |
| 2000 | 315,635 |
| 2005 | 357,976 |
| 2010 | 399,687 |
| 2015 | 434,442 |
| 2020 | 476,988 |
根據上麵的數據，第一桶金其實並不是特別難。如果從正式工作開始，大部分人5-10年都能攢下第一桶金。如果從剛來美國開始算則需要10-15年。從拿到第一桶金到退休（65歲），大部分人還有至少25年的發展時間，運氣好的有大概35年的發展時間。
大家可以根據自己的情況算算第一桶金大概是哪一年拿到的。另外可以比較一下攢夠第一桶金之前和之後的財富增長有沒有本質的區別。
