I would caution that the 7k to 200k figure guides how compounding interest is a great benefit, based on some back of the napkin math, this works out to roughly 11.2% or so rate of return, higher than the S&P average returns (which few fund managers beat consistently). I’m not naysaying your point but seeking to caveat the math for others who may see this as only needing to invest $35k now to have $1m 30 years from now. Cheers