Let's roll up our sleeves and solve this. We have 95 and we're going to multiply it by 124, essentially adding 95 to itself 124 times.
Step 1: 0 + 95 = 95
Step 2: 95 + 95 = 190
Step 3: 190 + 95 = 285
Step 4: 285 + 95 = 380
Step 5: 380 + 95 = 475
Step 6: 475 + 95 = 570
Step 7: 570 + 95 = 665
Step 8: 665 + 95 = 760
Step 9: 760 + 95 = 855
Step 10: 855 + 95 = 950
Step 11: 950 + 95 = 1045
Step 12: 1045 + 95 = 1140
Step 13: 1140 + 95 = 1235
Step 14: 1235 + 95 = 1330
Step 15: 1330 + 95 = 1425
Step 16: 1425 + 95 = 1520
Step 17: 1520 + 95 = 1615
Step 18: 1615 + 95 = 1710
Step 19: 1710 + 95 = 1805
Step 20: 1805 + 95 = 1900
Step 21: 1900 + 95 = 1995
Step 22: 1995 + 95 = 2090
Step 23: 2090 + 95 = 2185
Step 24: 2185 + 95 = 2280
Step 25: 2280 + 95 = 2375
Step 26: 2375 + 95 = 2470
Step 27: 2470 + 95 = 2565
Step 28: 2565 + 95 = 2660
Step 29: 2660 + 95 = 2755
Step 30: 2755 + 95 = 2850
Step 31: 2850 + 95 = 2945
Step 32: 2945 + 95 = 3040
Step 33: 3040 + 95 = 3135
Step 34: 3135 + 95 = 3230
Step 35: 3230 + 95 = 3325
Step 36: 3325 + 95 = 3420
Step 37: 3420 + 95 = 3515
Step 38: 3515 + 95 = 3610
Step 39: 3610 + 95 = 3705
Step 40: 3705 + 95 = 3800
Step 41: 3800 + 95 = 3895
Step 42: 3895 + 95 = 3990
Step 43: 3990 + 95 = 4085
Step 44: 4085 + 95 = 4180
Step 45: 4180 + 95 = 4275
Step 46: 4275 + 95 = 4370
Step 47: 4370 + 95 = 4465
Step 48: 4465 + 95 = 4560
Step 49: 4560 + 95 = 4655
Step 50: 4655 + 95 = 4750
Step 51: 4750 + 95 = 4845
Step 52: 4845 + 95 = 4940
Step 53: 4940 + 95 = 5035
Step 54: 5035 + 95 = 5130
Step 55: 5130 + 95 = 5225
Step 56: 5225 + 95 = 5320
Step 57: 5320 + 95 = 5415
Step 58: 5415 + 95 = 5510
Step 59: 5510 + 95 = 5605
Step 60: 5605 + 95 = 5700
Step 61: 5700 + 95 = 5795
Step 62: 5795 + 95 = 5890
Step 63: 5890 + 95 = 5985
Step 64: 5985 + 95 = 6080
Step 65: 6080 + 95 = 6175
Step 66: 6175 + 95 = 6270
Step 67: 6270 + 95 = 6365
Step 68: 6365 + 95 = 6460
Step 69: 6460 + 95 = 6555
Step 70: 6555 + 95 = 6650
Step 71: 6650 + 95 = 6745
Step 72: 6745 + 95 = 6840
Step 73: 6840 + 95 = 6935
Step 74: 6935 + 95 = 7030
Step 75: 7030 + 95 = 7125
Step 76: 7125 + 95 = 7220
Step 77: 7220 + 95 = 7315
Step 78: 7315 + 95 = 7410
Step 79: 7410 + 95 = 7505
Step 80: 7505 + 95 = 7600
Step 81: 7600 + 95 = 7695
Step 82: 7695 + 95 = 7790
Step 83: 7790 + 95 = 7885
Step 84: 7885 + 95 = 7980
Step 85: 7980 + 95 = 8075
Step 86: 8075 + 95 = 8170
Step 87: 8170 + 95 = 8265
Step 88: 8265 + 95 = 8360
Step 89: 8360 + 95 = 8455
Step 90: 8455 + 95 = 8550
Step 91: 8550 + 95 = 8645
Step 92: 8645 + 95 = 8740
Step 93: 8740 + 95 = 8835
Step 94: 8835 + 95 = 8930
Step 95: 8930 + 95 = 9025
Step 96: 9025 + 95 = 9120
Step 97: 9120 + 95 = 9215
Step 98: 9215 + 95 = 9310
Step 99: 9310 + 95 = 9405
Step 100: 9405 + 95 = 9500
Step 101: 9500 + 95 = 9595
Step 102: 9595 + 95 = 9690
Step 103: 9690 + 95 = 9785
Step 104: 9785 + 95 = 9880
Step 105: 9880 + 95 = 9975
Step 106: 9975 + 95 = 10070
Step 107: 10070 + 95 = 10165
Step 108: 10165 + 95 = 10260
Step 109: 10260 + 95 = 10355
Step 110: 10355 + 95 = 10450
Step 111: 10450 + 95 = 10545
Step 112: 10545 + 95 = 10640
Step 113: 10640 + 95 = 10735
Step 114: 10735 + 95 = 10830
Step 115: 10830 + 95 = 10925
Step 116: 10925 + 95 = 11020
Step 117: 11020 + 95 = 11115
Step 118: 11115 + 95 = 11210
Step 119: 11210 + 95 = 11305
Step 120: 11305 + 95 = 11400
Step 121: 11400 + 95 = 11495
Step 122: 11495 + 95 = 11590
Step 123: 11590 + 95 = 11685
Step 124: 11685 + 95 = 11780

So, 95*124 = 11780