The vast majority of people are coming at this from the perspective of still having to provide housing for themselves or family. That takes some money off the top of what would already be a below median household income if you just amortize with no investment income.

And sure, you can invest but that also introduces risk you can go broke... investment takes effort to be done well so I can see why a lot of people would rather keep doing what they're already doing (or doing something else that still generates income) until they've got a bigger cushion.


>>Your spending 20k on living expenses, excluding housing and
>>childcare (only 2 of your biggest expenses, most likely
>>lolol).
>
>1. My house is paid for so no housing costs
>2. I'm not working so I'm a SAHD so no childcare costs
>
>
>
>>
>>You'd only have 25k a year if your stretch that million
>>dollars equally over the next 40 years of your life
>(assuming
>>your near 40 and live to 80).
>>
>
>Yes.
>I know how to do simple division.
>But that is not this.
>
>
>
>I can't
>I just can't with OKP today.
>
>(I'm trying to do my best SoWhat rendition)

Just trying to establish a baseline. OKP has all kinds so I make no assumptions.