Montgomery Brewster has recently received a large inheritance and would like to make a wager with his friend Spike Nolan – who can get to $1 million first? Montgomery gives Spike $500,000 to start with, while Montgomery decides he is only going to start with a simple Benjamin Franklin $100 bill. Spike feels very confident that with a huge lead, he will be able to win easily – he doesn’t know much about investing, though, so decides to take his $500,000 to the bank and invests in a New York City municipal bond paying a 5.2% interest yield. Spike walks out of the bank feeling at ease with his good decision. Meanwhile, Montgomery Brewster takes his $100 and gets to work! He studies popular collectibles and eBay fads; he scours online news articles for day-trading advice; he even takes some geology courses to learn the oil business. Throughout his aggressive endeavors, Montgomery manages to average an annual return on his investments of 118%. How long does it take each participant to achieve their $1 million goal? Who is the winner of the contest?