A 24-Year-Old Asks, 'Am I Missing Something?' They Calculated That $100K By 30 Could Turn Into $1M By 65 Without Adding A Penny

A 24-year-old recently did some retirement math that made them stop and ask a simple question: “Am I missing something?” After a year at their first job making $26.50 an hour, the poster said on Reddit that they managed to pay off all their debt, stay living at home, and build roughly $37,000 across retirement accounts. When they ran long-term projections, the numbers surprised them. Simple Math, Complicated Reality Using a 7% return adjusted for inflation, they calculated that hitting $100,000