This is a great success story. My parents tried to get me on the same program. I put in $100/month while working from the age of 16. I had about $10000 but then 911 happened and it went down to about $6000. I was pissed off cashed it all in to pay off credit cards that had grown because of a big trip my husband and I went on. I closed it and never looked back. Sigh......they tried. Lol.