This post feels like a complete mathematical failure. Ignoring inflation, taxes, etc, and assuming a return of 5%: If you have 2 mil and you spend 100k a year

This post feels like a complete mathematical failure. Ignoring inflation, taxes, etc, and assuming a return of 5%: If you have 2 mil and you spend 100k a year then you will never go below approx 1.5M (the value of the capital will fluctuate a bit, in the perfect case you'd never really go below 2M) and can do that indefinitely. If instead you "didn't have" that 1.5M and had 500K, then you can only spend 100k a year for approx. 6 years and then you have nothing left.