With the right investments, it's simpler than you might think to accumulate $1 million or more over time.

Everyone wants to achieve financial comfort, but the amount of money required to reach that goal can vary from person to person. A new survey shows exactly what the average American believes it takes to achieve it -- and if you're falling short, there's a simple way to build a net worth of $1 million or more with a few hundred dollars per month.

There's a high bar for financial comfort

Earlier this year, Charles Schwab conducted a survey of over 2,000 U.S. adults ages 21 to 75. Participants were asked how much money they believe it takes to be "financially comfortable," and the results were broken down by age range.

Among all participants, the average net worth needed to be consi

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