> For the sake of simplicity I’m not accounting for the contribution limit increasing each year, but I’m also not accounting for inflation, meaning you can thin

> For the sake of simplicity I’m not accounting for the contribution limit increasing each year, but I’m also not accounting for inflation, meaning you can think of the 875k in 35 years as though it were today. You're also not accounting for any income from the principal, which even invested in bonds would mostly keep up with inflation.