I want to be a millionaire.

If you were to invest $125 a month (in mutual funds averaging 11%) from age 25 to age 65 you would have just over $1,000,000. There is no reason we shouldn't all have $1mil at retirement. Younger than 25? Even better. I started investing at 19, and if I only ever put in $100 I will have $1.6mil at 65.

"But, I don't have an extra $125 a month!" Really? Take a look at last month's bank statement to see what you spent your money on. Pizza? Starbucks? Beer? Are these things more important to you than becoming wealthy? How you spend your money says a lot about the things you value.

"You can't average 11%, the stock market is in the toilet!" Let me just say, I don't claim to be an investing expert. I just take a common sense approach. The S&P 500 has averaged 10.88% since 1980. The Russel 2000 Value Index averaged 12.66% since 1980 (as 2 examples). Call me an optimist, but I believe long term investing in the stock market proves to be a wise choice.  Investing the past 5-10 years has been volatile, but long term investments are still strong!

I am the 99% ;)