[rydre]

The quality of life increase fore mere 8% return is not as much. You'd need much higher returns for many people to make them not use the money now. Losing 1K every month for 5 years for a person who make 200k a year is not much Given the chance to make 100million - billion even if is very little.

Think of it as being a indie VC. Most investment will lose, the ones that gain might make you a lot.

[WalterBright]

Your odds are still likely better than lottery tickets.

[rydre]

It's not all about the odds. Sure at an aggregate level it might make sense. But instead of looking at it as mere % expected return, look at it as a tiered return. Above 200K I'd need 1M+ a year to improve my life. Above that, I'd need 10M+ a year. Above that 50M, then 500M and then 4B a year etc.

The quality of life improvement varies in the income bracket. Not every % increase is equal for individual humans.

[tinus_hn]

Storing money in a sock has better odds than lottery tickets.