The attached spreadsheet will help you see the interaction between return and time.By adjusting the 3 variables you can see the effect on the value you will have after 30 years.How much would you have to save each year to become a millionaire if you were earning a 5% return on your investment?What about if you were earning an 8% return or a 3% return?What if you only had 20 years?What if you had 40 years?