[nickdandakis]

You right.

Let's say a 7% annual compound interest over 10 years (which I think, is debatable). That puts you at $5,800/mo. I think my argument still stands?

[astura]

Unless you started saving in the year 2000, then you would have had a negative return 10 years later.

https://dqydj.com/sp-500-return-calculator/