Accumulate $2,000,000 from a monthly contribution over time. Pay NO commissions, fees or loads to agents, bankers, brokers, or money managers. Use the simple time-tested strategy of compounding earnings and dividends. Use a tax-FREE account-it is like getting $660,000 FREE. The financial services industry, my industry, is going through a big change. The retail business model of the past is dying. Wall Street cannot make the profits it wants to make by selling brokerage products to individuals on commission. Investors have learned from recent experience that salespeople can NOT consistently build wealth for you. Traders have learned they can buy and sell securities on their own for less. Advisors are NOT any better at guessing the future of the markets than their clients are. The truth is that there are certain simple techniques to investing for the long-term that any person can follow to become wealthy. None of the techniques are really new. The problem is that our society creates expectations of instant wealth. In reality, there is no such thing.