Want a comfy retirement? You’ll likely need $1.2 million — but here’s the real secret: start investing early and consistently. Whether you pick the S&P 500 or growth stocks like the Vanguard Growth ETF, time and compounding are your best friends. If you’re 20 years out, aim for $1,567/month; if you’ve got 35 years, just $313/month. Already have savings? You’ll need less. The key? Never stop investing — even small, regular contributions can build a massive nest egg over time.
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