Agreed, compound interest is something most people find hard to visualize. I understand your aim for annual spending, and that's totally within means for you (w

Agreed, compound interest is something most people find hard to visualize. I understand your aim for annual spending, and that's totally within means for you (whatever you're comfortable with). With the right goals, numbers, and savings you can live mostly off of interest, and that will get you furthest in retirement. In my experience, seeing and hearing of people's general retirement goals and savings; they simply don't have enough to not feel it when they're done. A mindset like the OP or yours makes that stage in life much more enjoyable and worry-free.