I'd be interested to know how much of the income is generated by his web properties, and, how reliable is their income in the future. If that goes away, can he

I'd be interested to know how much of the income is generated by his web properties, and, how reliable is their income in the future. If that goes away, can he still be cash flow positive? Dividends from index funds might be 2%? The S&P overall generates about 2% dividends. Capital gains may double that, but are not reliable as the market goes through its cycles. Interest from cash is likely 1% at best. From the spending analysis, he's spending ~$6,000/month, or, $72,000/year. With a $3,000,000 net worth, his minimum cash return is 2.4%. Assuming he's keeping up with inflation, which I'd say is really important given that he's likely got another 30+ years of retirement to fund, he should budget another 2%, and target 4.4%. I've been stymied, like many investors seeking fixed income, by this protracted low interest rate period. Municipal bond yields are poor, all cash and govm't bonds have very poor yields. I tried peer lending, but was let down by the service company. So I had to get creative. Over the last 3 years, I built a dividend portfolio that currently yields 6%. All the stocks in the portfolio have a history of at least 10 years of increasing dividends, and I expect that the 6% will increase by about 0.2% annually as they raise their dividends. With all that said, it seems like he could get a better cash yield with a different mix of investments.