I can't figure out his math, either. In his second example, if you put $4M in a bank account that gets 2%, and can still save $10K a year you'll have $7.6 mil i

I can't figure out his math, either. In his second example, if you put $4M in a bank account that gets 2%, and can still save $10K a year you'll have $7.6 mil in 30 years. If you can get 8% (which I think you can, all arguments to the contrary) you will have $41M. Maybe he just means once you get the cash, you quit your job, put the money under the mattress and spend it all?