The article notes that median annual pay for full-time workers aged 25 to 34 was $60,320 in the second quarter, and suggests saving 20% of after-tax income for retirement. It projects that investing $500 per month in the Vanguard S&P 500 ETF (VOO) for three decades, assuming the S&P 500's 10.3% annual return continues, could grow to just over $1 million and pay about $15,000 in annual dividends. The fund has a 0.03% expense ratio, and the article cites Warren Buffett's advice that non-professional investors should own a low-cost S&P 500 index fund. According to S&P Global, fewer than 10% of large-cap funds beat the S&P 500 over the last 15 years. These scenarios assume similar future returns and are not guaranteed.
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