天天说第一桶金是最难的。那么第一桶金到底是多少？根据下面的定义，第一桶金2013年相当于42.7万。
"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
根据通货膨胀2013年的427000，第一桶金大概可以计算成如下的表格。
| 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 |
根据上面的数据，第一桶金其实并不是特别难。如果从正式工作开始，大部分人5-10年都能攒下第一桶金。如果从刚来美国开始算则需要10-15年。从拿到第一桶金到退休（65岁），大部分人还有至少25年的发展时间，运气好的有大概35年的发展时间。
大家可以根据自己的情况算算第一桶金大概是哪一年拿到的。另外可以比较一下攒够第一桶金之前和之后的财富增长有没有本质的区别。
