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It's not so much money.

Let assume $10 monthly, during 50 year, and a 5% annual interest rate. For simplicity let's use the compound interest over all the 50 years. The total is:

$120/year * 50years * (1.05)^50 ~= $70000

[That is assuming you live in a stable country without hyperinflation, bank bankruptcy and fraud. Hello from Argentina.]

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That simplification results in an enormous exaggeration of the benefits. The actual result is between $25-30k. Assuming the rate of return is steady (which it's unlikely to be).

Which isn't an awful return on $6k total investment, but isn't a mind-blowing 10x return either.

Hey $70,000... Not a bad chunk of change considering you only had to give up one beer(maybe two)/appetizer per month.

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