Let do the math. 5k for 20 years with average 6% annual return on investments and 3% annual withdrawals (~$200 per year or less than $20 per month). With 0% i

Let do the math. 5k for 20 years with average 6% annual return on investments and 3% annual withdrawals (~$200 per year or less than $20 per month). With 0% inflation over 20 years, this will yield you $9000 (in 2042 dollars). The inflation this year is above 5%, and if this trend continues for long, your investment will pretty much evaporate slowly.