1. How is self-discipline related to TVM (Time Value of Money)?
2. Assume an investor has set a goal for retiring in 25 years with $1,000,000 saved. They will contribute $3,000 per year toward this goal.
   1. What rate of return must the investor earn in order to achieve this goal?
   2. What kind of risk would this investor have to take on in order to earn this return? (high/low)
   3. What are three alternatives for this investor if they don't feel comfortable with earning the required return?