Dhaka, June 4 -- When it comes to building wealth, the loudest voices often talk about working harder, hustling more, or chasing the next big investment. But what if the real secret to financial success wasn't working harder-but working smarter? One of the most powerful and underused tools in personal finance is monthly compounding. It's a quiet force that can turn modest savings into substantial wealth over time. And the best part? It doesn't require more effort-just consistency and a bit of patience.

What Is Monthly Compounding?

Compound interest is often called the "eighth wonder of the world," famously (and perhaps apocryphally) praised by Albert Einstein. While simple interest earns returns only on the original principal, compound ...