Where are you getting the 4.5% ROI? It's obviously not the stock market, if you're not caring what the market is doing. Is it in bonds? Several cities and sta

Where are you getting the 4.5% ROI? It's obviously not the stock market, if you're not caring what the market is doing. Is it in bonds? Several cities and states are looking at defaulting on those. Even if they're corporate bonds, you're right back to being tied into the stock market again. Perhaps you have it all in CDs. Probably a 20 year Cd if you're getting 4.5%. Fifteen years from now, the bank elects a new president whose new investment strategy is Beanie Babies. There months later, the bank goes under and you're praying that the FDIC steps in to bail you out. If you're getting any ROI, there's risk involved and you can get wiped out the same way that the boomers did.