 going to be worth 3 million by the time you're 60 and by the time you're 67 it's going to be worth 6 million and by the time you're 74 it's going to be worth 12 million so you're gonna be okay you're gonna be alright that's if you add nothing to it let me ask you this Dave so if my friend came to me and said hey I've been self managing this mutual fund over the last five years