 Jade Walshaw, Ramsey Personality, is my co-host today. Thank you for joining us, America. Well, the stock market's been rough lately. It's been up, it's been down, and it's basically about where it was a year ago. But it was a wild ride to get to even. The facts are, if you invest $200 a month from age 25 to age 65, you'll have between $1 million and $2 million. No, that's not too good to be true. That's based on the long-term average return of the S&P 500.