A simple savings calculator. https://www.bankrate.com/calculators/savings/simple-savings-calculator.aspx - assume medium income $50000 or so; monthly saving $500 into QQQ - QQQ returned 12.75% per year since inception; - starting balance $1 See - trading is pointless. With a dumb method above, you reach $1m after 25 years, $7m after 40... this means you can early retire in late 40's into a modest life, or retire in early 60's and live gracefully... There is no reason not to become rich in America... short term trading with 95% fail rate is pointless. Some preemptive answers to certain people's reactions: - well, $7m in 40 years won't buy your much.... right, this is assuming you never get a pay raise for 40 years; - well, look if you bot QQQ in 2000, how long it took you to break even.... right, that's the point of DCA, you keep buying thru the crashes and accumulate many more shares at cheap. - well, what else... Actually the math is too simple, everybody understands it... the major hurdle is actually the psychology... in 40 years you will likely go thru 50% draw-downs a few times, not to mention the 10-20% shake-downs that happen almost every year... very few people can actually get to the finish line, because every time there is a shake-down, there is also constant media story push, that convince you this time the sky is indeed falling... look how many people are actually really long in equities right now, and how many people are hiding in 'safety' such as gold/silver/even BTC right now. The math is simple, the implementation is not.