How to build $1 million in 12 years—even starting from zero Here's the plan (2026 limits): • $24,500 / year into a 401(k) • $7,500 / year into a Roth IRA • $4,400 / year into an HSA • $3,500–$7,000 / year employer match Total: ~$40K–$44K invested per year Timeline: ~12 years Target return: ~12% ETFs: VOO, QQQ, VTI, MAGS Think of it like automatic savings—but your money works for you through compound growth. No hacks. No shortcuts. Just 12 years of consistency + discipline. Comment "GUIDE" and I'll send you my FREE Investment Guide to start investing today. ⸻ ⚠️ DISCLAIMER Educational content only. Not financial advice. #investing #personalfinance #wealthbuilding #womeninvesting #financialfreedom #rothira #401k #moneytok #financialliteracy #investingforbeginners #womenandinvesting #compoundinterest #retirementplanning