Did the magic of compound interest with my son using @grok earlier. 10 - brokerage account w/ $900 10-15 - contribute $200 a year 16-22 - contribute $500 a year 23-30 - contribute $3000 a year 31-64 chill and do nothing Age of 65 - almost $1.1 mil if you make 9% a year. Needless to say, he’s excited to try to now make more than $200 a year to invest.