From that link, under assumptions: "You can earn 5% investment returns after inflation during your saving years" If I could earn 5% after inflation without ris

From that link, under assumptions: "You can earn 5% investment returns after inflation during your saving years" If I could earn 5% after inflation without risk I could retire today (well, I'd be retired many years ago, if that's what I want to do). The problem is that's simply not possible. If you have a family you can't take the risk of putting all your money in stocks as there can be periods of well over a decade where the real return is negative and you'll run out of money. You need a lot more buffer.