Hrm, I think you're forgetting about the most important money making tool available: compound growth. Let's assume the following:<p>You invest your current 24,000 and each month you add 20,000 to your investment. Let's further assume that you can achieve an annual return of 3.5% and that return is evenly distributed over the year. In this scenario you'd end up with $520k after two years. You're half way to being a millionaire.<p>If you instead contributed $25k each month you'd end up with nearly $650k after two years. That's 50k above your contributed principal or an 8.3% return over two years. Further, your risk is significantly reduced over any other get rich quick scheme and this allows you to continue to focus on what you're doing.