15%, yeah, if you can average 10% over 25 years you did damn well.
Lets run these numbers, including taxes:
http://www.dinkytown.net/java/InvestmentReturn.html
Save $4,200 a year, 15% ROI, 15% tax rate (yeah right on that one too.) Now you are at $708,000 Which is actually
$330,000 after a 3% inflation adjustment.
So thats assuming a fucking low tax rate, and that you get 15% ROI. Lets be more realistic, 8% ROI, 30% tax rate. Ah yes,
$230,000. Again, before inflation. Far fucking cry from a million dollars -- and thats assuming you never were tempted to dip into that to pay for an extra vacation or family emergency.
Solution -- save more money.
You should be saving more than $350 a day, not a month. Unfortunately the calculator is a prick so I can only input 100k a year, that brings me to $5.4 million,
$2.5 million after inflation -- thats pretty fucking modest for 25 years.
Saving money is fucking hard. Just when you think you are living far below your means tax time comes around and you realise that its actually the "upper 1%" who are getting assraped, not the lazy poor who collect government money to pay for cable TV instead of buying their kids healthy food.