[ojars]

Consider for a moment you stuff a barely noticeable 1 grand away each month. An average return of 5% over 20 years nets about 160,000 above the 240,000 you have contributed. An average return of 10% nets abut 500,000 above your contribution. An average return of 15% nets more than 1,000,000 above your monthly nut. This is with no more work on your part than finding a suitable investment vehicle (not a savings account). And you are only 40 with many years ahead of you. Cheers!