Wow, based on the number of emails I received on this one, I wish I had been more specific! My point was simply that a little bit saved each month can add up over time. The “8 percent” I referred to was not tied to a specific investment, but rather a hypothetical return on a long term portfolio. To the best of my knowledge there are no savings accounts or CDs out there that are paying anywhere near 8 percent. On the other hand, I still think eight percent is a fair expectation for a diversified portfolio of stocks and bonds over the next twenty years.