<prompt> Human: Hey everyone! Pretty new here. Heres my situation. Through the years, life hit my mom pretty hard and she cashed in her savings. At 52, she has less than a thousand dollars to her name in retirement. My brother and I make okay money around 150k a year combined and were thinking about buying her a house. Now here is the part I dont know. We want to take a 20 year loan of 100k for her house. My mom will pay us the money for the house were estimating around 700 a month and were going to put 600 of that into savings and 100 into an account for rainy day funds. In 20 years, when the house is paid off, were going to give her back her money for retirement. If we were to invest all of the 600 a month into a retirement fundCDor something, what do you think her return would be, roughly, in 20 years? Were trying to figure out the best way for her to get caught up, even a little, on her retirement.  <response>: Use this: Its safe to assume 7 returns on retirements savings. It may be smart to front run this plan with her so that she can dump 100 of this money into tax advantaged accounts, as opposed to just paying you in post-tax dollars. That will result in her getting an extra 15 on the money. 