 Well, the stock market's been rough lately. It's been up, it's been down, and it's basically about where it was a year ago. But it was a wild ride to get to even. The facts are, if you invest $200 a month from age 25 to age 65, you'll have between $1 million and $2 million. No, that's not too good to be true. That's based on the long-term average return of the S&P 500. Now, if you're not 25, well, that's okay. You can still get started.