Between 2000 and 2015, the market rose just 8.4 percent altogether, adjusted for inflation. It rose just 0.56% a year, and took fifteen years to climb 8.4 percent. At that rate, in thirty years, $100,000 would earn just $16,140. Still, people continue to believe that they'll retire as millionaires using that stock-market formula, since retirement planners continue to hint at an average 8 percent return every single year.
