How Anyone Can Build a pipeline Of

How to Accumulate $1 million by Age 65 
Assuming a 12% annual interest rate
* 
 
Starting
Age 
Daily 
Savings 
Monthly 
Savings 
Yearly 
Savings 
Years It Takes 
To Build $1 Million 
25 
$ 3.57 
$ 109 
$ 1,304 
40 years 
35 
$ 11.35 
$ 345 
$ 4,144 
30 years 
45 
$ 38.02 
$1,157 
$13,879 
20 years 
55 
$156.12 
$4,749 
$56,984 
10 years 
from 
The Wise Investor by Neil E. Elmouchi
* 
Considering that the stock market has averaged 11% over the last 
70 years and 25% over the last decade, 12% is a fair and reasonable 
rate of return. 

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85 
It’s amazing to learn that it’s easy to become a 
millionaire if you start building your long-term 
pipeline early enough. Virtually anybody living 
above the poverty line can do it! 
All anyone needs to do is to invest $3.57 a day, 
every day, in a mutual fund returning 12% interest, 
and let it compound for 40 years. Instant 
millionaire! (Well, maybe not “instant” – but 
definitely a millionaire!) 
Think of it this way – one out of three Americans 
smokes cigarettes. In Florida, a pack of cigarettes 
costs about $3.57. If every person who smoked quit 
at age 25 and invested their cigarette money in the 
market and let it compound for 40 years, one-third 
of Americans would be millionaires by the time 
they turned 65! 
Isn’t that amazing? Don’t you wish someone had 
pointed that out to you when you were 25 years old?
Even at 35 and 45, it’s still possible for the average 
household to build a millionaire pipeline. But 
people who wait until they’re 55 to start saving for 
retirement are facing a steep mountain, that’s for 
sure!