Bethany works at an advertising agency that offers a 401(k). She has 35 years to work and plans to save $400 per month and her employer will match the $400. In researching the material on her investment options in the 401(k), she believes a 9.75% return would be reasonable for forecasting. If her goal was to reach $3.0 million in the next 35 years, could she achieve that goal?