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$10,000 saved in your twenties is $200,000-300,000 in your pocket at age 55

That's an interest rate of between 10.5% and 12%. Please sign me up, because I definitely don't know where to get that.

S&P 500 (SPY) is around 11% over 30 years. I have a retirement app you can play around with @ DavidMiserak.com/retirement-app