I see your point but I’m not advising anyone to invest in stocks. The point of this post was to show people how much they need to save each month to hit a million bucks by 65. I used a 7% assumption in this example because that tends to be the target return for a lot of retirement funds. If you assume a lower rate of return you simply need to increase the amount you save each month.
The point of the article is to give people a frame of reference of how much they are saving given their age vs how much they would need to save to hit $1 million by 65.