<prompt> Human: I understand there is a lot of power in compound interest, but with the market going the way it is, is this reasonable? If it is how would I start investing? What is the interest rate the person that is starting at 19 getting? I am 19 and want to start investing money so I can have financial security when I get older. Any tips I should know for the next few years?  <response>: That chart is using a 12 return, probably 4-5 higher than is truly realistic. 