$5M is surely retirement money at 30. At benchmark inflation that is $1.5M when you are 90 years old. If you can earn just 1% a year (in real terms) on that c

$5M is surely retirement money at 30. At benchmark inflation that is $1.5M when you are 90 years old. If you can earn just 1% a year (in real terms) on that cash, you'll be fine. (At $100k annual expenses, you'll drop 1% per year. That'll still last a lifetime.)