With an annual salary of $60,000, how long will it take to become a millionaire? ChatGPT provided a comparison of 4 savings plans:

Pure savings (0 investment): Save $10,000 every year, requires 100 years ❌

Conservative plan: Save 12,000 per year (20% of salary) + 7% investment return → Become a millionaire in 30 years

Balanced plan: Annual savings of 18,000 (30% of salary) + 7% return rate → Done in 25 years

Radical plan: Save 24,000 annually (40% of salary) + 7% return rate → Achieve in 21 years

The core logic is very simple: just saving money is useless, **you must invest**. The fastest path is to start saving money early, control expenses, and learn financial management. No matter which path you take, the key is still persistence.