The article examines whether investing $200 a month in the Vanguard S&P 500 ETF (VOO) could build a $1 million net worth, starting from a $0 balance. Using the S&P 500's long-term historical annual return of around 10% as a benchmark, the goal would take just under four decades, or 38 years. Total contributions over 38 years would be $91,200, and more than 90% of the final balance would come from capital growth. The author stresses that time does the heavy lifting, and that increasing monthly contributions or adding an initial investment could push the balance even higher.
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