The way I do it is this:

I use the spreadsheet to do a projection using 3%, 4% and 5% monthly return rate, and using a priciple of $4000(that's the amount for my Roth IRA deposit).

After 20 years, I would get somewhere between 4.8million(corresponding to 3%), and
486million(corresponding to 5%).

My point is: to get rich is not too difficult, the difficult part is, one needs to get that small monthly return rate CONSTANTLY. To do that, one needs to be patient and not being greedy.

Currently I am doing very well using this stratedy, i am about two years ahead of time even using 5%.

I think HMGP will make my account even greener in the near future.