I'd go back and re-read that post at Simple Dollar. $10/day is $3650/year, which over 25 years is $91250 before interest calculations. $10/week (as the article describes) is much more doable, but requires careful management to maintain the interest rate necessary to hit that $38K. Not hard, just careful. Even with CDs at a bank you can get 4% interest pretty easily, so turning $10/week into $38000 should be easy. When you break it down to something small, something attainable like $10/week, it's so within reach that you wonder why you haven't been doing it for years already. It just takes the willpower to a) start, and b) NEVER touch that nest-egg until it's come to term.