Q. I noticed you are using a 9% average annual rate of return for all the growth calculations in the journal and on this website. Why 9% and is that realistic?
A. The historical average annual rate of return for the S & P 500 is a little over 10% if you're looking back 20 or 30 years. This concept of this journal is based on a 65 year time horizon so we think using 9% in our compound interest examples is realistic and attainable. Of course, as you will hear again and again as an investor, past performance is no guarantee of future results.

Q. If it's this easy to create wealth then why isn't everybody doing it?
A. Many reasons but perhaps one of the biggest is simply procrastination. This is why many people end up underfunded for retirement. That is why we want to get this message out and start at birth. The power of earning comes from time not from having a huge amount of money to invest. It becomes a habit which creates inertia which could make someone financially independent.

Q. My kids are well past "newborn" status. Can I catch up and how much money does it take?
A. You can catch up and the amount of money required to grow to a million dollars will depend on how old your child is. To get an idea see the "what's my number" page.

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