<prompt> Human: A friendly reminder that time compound interest average long-term stock market returns magic.This isnt for everyone, but if youre doing well in your 20s, you can trade some lifestyle now for 10x lifestyle later. If you hold back just a bit, youll reap the rewards later.The numbers: investing 100 a month will yield you roughly 100,000 in 30 years or 260,000 in 45 years, given a 6.0 annual rate of return. I argue that you should do this in addition to existing retirement savings.A few ways to save an extra 100 a month that wont cramp your existing lifestyle: Cut the cord stop paying for cable Cut other non-essential recurring fees Skip a night out to eat andor at the bars Cheaper gym membership Drive a few days of Uber or LyftEnjoying an extra 100k when youre 52, or 200K when youre 60 should be relatively straightforward :  <response>: Oh gosh. It may seem little saving only 100 per month, but this reminder helps me stick to this path. 