<prompt> Human: 20M is a personal goal of mine, I would love to know how long it would take me to reach that at a conservative rate. Thanks, reddit.  <response>: I hate to burst your bubble but you wont reach 20M by saving 10k a year. Not happening. More realistic numbers show that you could reach that goal if you saved about 90k a year with a 7 annual return in about 40 years 