Simulate Your Rich Life – The $1 Million Edition

Most of us know that money does not define happiness. However, how you manage it goes a long way. Money provides a bridge to things like home ownership, retirement, higher education, financial security, healthy living, and an overall feeling of satisfaction. If invested right, it can empower your future, as well as those around you – and those that come after you.

I think that at some point, most people imagined having a million bucks, or if you already have it, can ask, should I spend it and enjoy life now, or invest it in the future? How about spending some of it, and invest the rest?

This simulation offers a fun and eye-opening way to see just how powerful investing can be. Whether you save it all – or just invest a portion, this highlights the long-term difference between spending money now versus letting it grow. Even modest investment strategies can yield massive results over time, especially when compounded with consistent contributions. It’s a creative reality check for anyone tempted to splurge a windfall instead of planting it for the future.

Annual Average Interest Rate (%):


Expected Annual Inflation Rate (%):

The BLS has a chart with current inflation rates.

Annual Additional Contribution ($):






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A Million Dollars