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$100 a month. $100 a month. From age 25 to age 65. To age 70. 40 years. $100 a month. $100 a month. Let's put it in a Roth IRA so that it grows tax-free. I'm going to recommend a good growth stock mutual fund that has an average annual return of 12%. That's done that for over 75 years. Average. Some years it makes 18 and some years it makes four. But the average annual return is about 20. Is about 12%. Follow for your daily dose of finance.