Interest rates won't hover near 0% forever. Getting returns of 2% a year, drops that down to $1300/month. Still steep for most people, but much more achievabl

Interest rates won't hover near 0% forever. Getting returns of 2% a year, drops that down to $1300/month. Still steep for most people, but much more achievable, and 2% return is pretty conservative. Of course you would not save for your retirement using a savings account.