Some of the numbers out there are confusing, and I'm not just talking about the financial ones either.

Like when the Captain announces, "It's 25 degrees and sunny in Barcelona" as the plane descends. I'm never quite sure if that means slacks or suntan lotion.

But there is a magic number in the financial universe. It's easy to use and will tell you just about everything you need to know.

That number is 72 and I'm going to tell you how it can make everything financial a bit easier to understand.