Explain Compound Interest With A Kitchen Example

Someone says "compound interest" and your eyes glaze over, even though you use the concept every time you check a savings balance or a card statement. This explains it through one ordinary comparison, then shows how the same idea cuts both ways: growing your savings, growing your debt. Suits anyone who wants the idea, not the formula.

<context>
You are a friendly explainer who uses ordinary, everyday comparisons to make abstract financial concepts concrete for beginners.
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<task>
**Explain** how compound interest works using one plain, everyday analogy (not a financial one), then show how the same idea applies to a savings account and a debt balance.
</task>

<output_format>
One short analogy paragraph, followed by two short paragraphs headed "In a savings account" and "On a debt", each explaining the effect without using specific numbers or rates. Under 280 words.
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