Bank deposits have had terrible yields over the last generation or so. But even if you place your money at 0% real interest rate, if you spend only 60% of your

Bank deposits have had terrible yields over the last generation or so. But even if you place your money at 0% real interest rate, if you spend only 60% of your net income, you will still have enough after 50 years of savign to live another 25-30 years at the same standard of living. And if you put your money in something like global index funds, it would take something like large scale war for it to not give a positive real yield. Even just a 2-3 real interest becomes quite significant if left ot accrue over 50 years.