I suggest using afinancial calculator or spreadsheet program to do yourcalculations.) The origin of the natural logarithm isnt important.What is important is that the rule of 72 gives a quick and easy wayto perform back of the envelope calculations regarding doublingyour money. Of course theres much much more to the topic ofpersonal financial planning but the rule of 72 can be a fun way toenter this sometimes daunting world by allowing you to do somequick calculations， One of the first things I learned when I started to look intothe field of Personal Finance was the rule of 72. It is a usefultool and one that can help you amaze and astound your friends. Sayfor example you had a sum of money and you wanted to double it in agiven number of years. For example you want to set aside a certainsum for your daughters wedding in 10 years and youd like todouble the initial amount in that period of time. Simply divide thesum youre setting aside for the occasion into 72，。

shed better postpone another eight years. From whence does thismagical number come? The Rule of 72 is derived from naturallogarithms. (Technically， the result willbe the interest rate youll have to earn to accomplish this goal.For example if you were to set aside $5， youd have to earn 7.2% interest on it in order to seethis dream become a reality. (72 / 10 = 7.2). The rule of 72 alsoworks in reverse. Assume you had put that $5， ifyour daughter was hoping to have double the fun at her wedding。

000 and hope to double itin 10 years。

butthats not nearly as easily divisible than 72. The differencebetween the two will cause negligible variances unless youre usinghuge numbers. If you are using huge numbers， it should be called the rule of 69.3，000 in the highestyielding money market you could find. In this fund it was earning4% interest. How long would it take you to double this sum? You canfind out by dividing 72 by the interest rate. 72 / 4 = 18. At thatrate of interest itll take 18 years to double your money. So， or at least be the star of your next party. 。

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