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STW Recursive Vision?
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Systems Thinking World Vision
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Before we can begin to sort out how to approach this situation it's appropriate to identify the relevant stakeholders and their motivations.

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Receivables/Stakeholders
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Most savings/retirements accounts compound monthly, not annually.

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Clone of Retirement Account/Part 2
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Our actions are based on our beliefs and the results of those actions are the basis for our beliefs. The difficulty we create for ourselves is that we make assumptions as to how to interpret the results we select based on our beliefs. As a result we are often operating on a flawed perspective of reality.

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Clone of theWay/Assumptions
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What's the real difficulty associated with managing time?
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Managing Time in Time Management
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A savings account model is the basis for a retirement account.

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Clone of Retirement Account/Part 1
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The Exponential Growth Archetype is a reinforcing structure which promotes exponential growth. This is one of the two foundation archetypes. The other being the goal seeking structure. See also Archetypes.

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SystemsWiki's Musings

Clone of Exponential Growth Archetype
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It is now appropriate to investigate the possible leverage points for the current situation in an attempt to understand the most appropriate components for the strategy.

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Receivables/Leverage
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Citizenship: Gardenbrian View from Gardens of Demoncracy

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Citizenship: Gardenbrain View
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There are limits to what one can infer from a qualitative model. It is typically beyond the capacity of humans to infer the behavior of complex situations with 2 or more feedback loops.
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2 Feedback Loop Law
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Use a bathtub model to investigate the manner in which inflows and outflows govern the quantity of a stock. Extend the structure to create and investigate the relationships of a goal seeking balancing loop.

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Clone of Bathtub Model/Part 2
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Basic Stock & Flow models for use in Systemic Perspective video.
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Clone of Stock & Flow Models
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Model of some of the interactions in a call center.
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Melting the Tip of the Iceberg
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Drifting Goals archetype for pressure to lower standards impacting efforts to reduce pollution and improve current air quality.

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Air Quality Quest/CLD
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The delays associated with adjusting the shower is a very common example of the Balancing Loop with Delay Systems Archetype. 
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Clone of Adjusting the Shower/SFD
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In addition to identifying the relevant stakeholders it is essential to understand which elements of the situation are relevant to which stakeholders. Often this is quite apparent and at times it's not so obvious. 

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Receivables/Boundaries
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Part 2 demonstrates labeling of links as well as putting elements of the model in a folder. A number of previously developed models are also presented to provide an idea of what's possible.
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Creating Rich Pictures/Part 2
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Example of using Pulse function to create a recurring delay.
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Clone of Recurring Delay
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This model depicts the high level sector model for the U.S. Economy to be used in contemplating how to assess the health of the economy.
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It's Our Future/U.S. Economy Sector Model
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Implications of a variation between deadline and expected project completion date.
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Project Challenge
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Creating a Pulse function that has a size and duration based on an outbreak. The assumption is that there can't be an outbreak if there is an outbreak.
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Fabricated Pulse Function
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Example of using Pulse function to create a recurring delay.
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Clone of Recurring Delay
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The limits to growth structure is based on the basic growth structure. And, as should be obvious, nothing grows forever as growth requires resources. Those required resources become a limits to growth.

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Clone of Limits to Growth Archetype
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Example of using Pulse function to create a recurring delay.
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Clone of Recurring Delay