[znpy]

> Even if with investment returns as low as 4%

That line of reasoning always make me smile.

That's like assuming that once you get a certain threshold of wealth, you can automatically assume you'll be fine forever.

And by the way, that "as low as 4%"... Most people throw percentages all around the table, easy like that... Seems funny.

Call me stupid, but the idea of a whole country being able to piggyback off all other countries seems unlikely to say the least.

[arjun-menon]

Do you realize most 401(k) and IRA accounts in the US are all invested securities (like equities and bonds)? Similarly, most wealthy people invest their money in general?

Also, I didn’t pull the 4% out of a hat. It’s actually the “Safe Withdrawal Rate[a]” recommended by Mr. Money Mustache. See his blog posts on it: https://www.mrmoneymustache.com/2012/05/29/how-much-do-i-nee...

Also, see: https://www.mrmoneymustache.com/2018/11/29/how-to-retire-for...

[a] Bogleheads article on Safe withdrawal rates: https://www.bogleheads.org/wiki/Safe_withdrawal_rates