the growth of that $186 is way less than $186 invested in a house. If you are lucky, over 20 years, you will be able to sell that $100 bill for 120 dollars. Ok, so you made $20 off that bill… nope, not really… inflation and other stuff will negate that. What can you buy for exactly $100 now? one way plane ticket to NYC? ok, in 20 years, will you be able to buy a plane ticket for $120? I doubt it… I bet it will cost more than that. Sooo in the end you are actually LOSING money by holding onto it. So just go spend it 