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[quote=Anonymous][quote=Anonymous][quote=Anonymous]My partner and I are late 30’s.

We have 1.2 million in TSP/401k and about 800 in non-tax advantaged investments.

I just did a compound growth calculator and [b]assuming maxing out retirement and then minimal yearly additions to the investment account,[/b] it says it will be $15million in 20 years assuming 10% growth.

That sounds wild and not possible. We aren’t super high earners but have always tried to save. I don’t come from much and had to pay off loans after college so this number sounds wild.[/quote]

Everyone is focused on the rate of return, but the bolded is the important part of the post.  Most people in OP's situation are wondering if they can stop contributing, and ride the returns.  Even with modest returns, OP will be fine.

One thing to remember, OP - even if you actually achieve fantastic, 10% level returns, so will everyone else, and prices will rise accordingly.  [/quote]

The majority of stocks are held by a small number of people so it’s not a huge driver of spending [/quote]

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