<prompt> Human: Im reading The Total Money Makeover and he says: If Joe and Suzy invest 625 per month with no match into Roth IRAs from age thirty to age seventy, they will have 7,588,545 tax-FREE! - PAGE 148.seriously? Im 23 and invest 800-900 a month into my Roth 401K with a 6 match. Based off of his logic I will have over 10,000,000 by age 65. Does this guy over exaggerate?Assistant: Dave Ramsey says mutual funds get 12 per year. HahHuman: He does. I cant take him seriously. Thats just absolutely insane.  <response>: Hes mostly focused on getting people to invest in the first place. If you can convince someone to do what you said in the OP who otherwise wouldnt be saving, it can be pretty convincing, even if it is way over the top. 