[esotericn]

You need to maintain value or decrease at a very low compounded rate.

You don't need compound gains.

> This doesn't work for people who want to have children, who may have healthcare conditions, who need to take care of their parents, etc.

I'm not sure what this has to do with my point. You need to save more than you earn. If you can't or don't want to, so it goes. Not everyone's a winner.