There are no leaps and bounds, not really. The leaps and bounds we see in technology or medicine or design are not actually leaps and bounds at all, but an accumulation of small steps that reach some tipping point of general consciousness after the fact.
When you think about your money–whether your investments, your ability to hit saving and giving targets, your general financial psyche and wellbeing, or whatever else–you will not encounter leaps and bounds.
Instead, what you will encounter each and every day is an opportunity to take a small step. In five or ten or twenty years the accumulation of such small steps may feel like a leap and a bound, may appear to an innocent bystander as a leap and a bound, but you will have the satisfaction of knowing the small steps taken regularly were more gratifying, more useful, and less fictitious.
Meaningful Returns 