A lot of experts expect significantly lower returns than 7% given modern valuations. So it's more like you have some chance at some unknown amount of compound i

A lot of experts expect significantly lower returns than 7% given modern valuations. So it's more like you have some chance at some unknown amount of compound interest. You're also assuming this person won't have to take the money out due to medical expenses or some other crises at a younger age. But even if you are correct, that person ditching the latte isn't going to be spending that 446,368 in old age either because it isn't "frugal". If they have a decent income they just end up dying with 446,378 in the bank.