If you put 200,000 per year at a 10% discount rate (interest rate) in the bank, the fair value after 30 years is 1.8m. In other words, a rational person should

If you put 200,000 per year at a 10% discount rate (interest rate) in the bank, the fair value after 30 years is 1.8m. In other words, a rational person should take 1.8m now vs 200,000 a year for 30 years (at 10%). And this 10% is very very generous, if you're arbitraging between the risk free rate and the equity rate it looks a lot fucking better. I make around 23% YoY on my investments taking a leveraged high volatility strategy and let me tell you, at that kind of return, saving a little returns a big ass dividend. In short, saving a lot can net you huge money, enough to change your life.