Time and consistency. That’s the key. If you invest $100 a month in good growth stock mutual funds at prevailing market rates from age 25 to 65, you’ll end up with about $1,176,000. The secret isn’t the amount. It’s that you didn’t miss a single month for 40 years. $100 can make you a millionaire when you’re steady, predictable, and disciplined. And if you didn’t start at 25? Don’t panic. The best time to start was yesterday, but the next best time is today. Get out of debt so you can start inve