俺也小做了一下退休梦，及不用TF也不用炒股。

4的利息，每年用度在30万。65退休，再活25年，MMD，最后一年成负数了，还得干活啊。

1	$    4,500,000.00	$                      180,000.00	$                   300,000.00	$      120,000.00
2	$    4,380,000.00	$                      175,200.00	$                   300,000.00	$      124,800.00
3	$    4,255,200.00	$                      170,208.00	$                   300,000.00	$      129,792.00
4	$    4,125,408.00	$                      165,016.32	$                   300,000.00	$      134,983.68
5	$    3,990,424.32	$                      159,616.97	$                   300,000.00	$      140,383.03
6	$    3,850,041.29	$                      154,001.65	$                   300,000.00	$      145,998.35
7	$    3,704,042.94	$                      148,161.72	$                   300,000.00	$      151,838.28
8	$    3,552,204.66	$                      142,088.19	$                   300,000.00	$      157,911.81
9	$    3,394,292.85	$                      135,771.71	$                   300,000.00	$      164,228.29
10	$    3,230,064.56	$                      129,202.58	$                   300,000.00	$      170,797.42
11	$    3,059,267.15	$                      122,370.69	$                   300,000.00	$      177,629.31
12	$    2,881,637.83	$                      115,265.51	$                   300,000.00	$      184,734.49
13	$    2,696,903.34	$                      107,876.13	$                   300,000.00	$      192,123.87
14	$    2,504,779.48	$                      100,191.18	$                   300,000.00	$      199,808.82
15	$    2,304,970.66	$                         92,198.83	$                   300,000.00	$      207,801.17
16	$    2,097,169.48	$                         83,886.78	$                   300,000.00	$      216,113.22
17	$    1,881,056.26	$                         75,242.25	$                   300,000.00	$      224,757.75
18	$    1,656,298.51	$                         66,251.94	$                   300,000.00	$      233,748.06
19	$    1,422,550.45	$                         56,902.02	$                   300,000.00	$      243,097.98
20	$    1,179,452.47	$                         47,178.10	$                   300,000.00	$      252,821.90
21	$       926,630.57	$                         37,065.22	$                   300,000.00	$      262,934.78
22	$       663,695.79	$                         26,547.83	$                   300,000.00	$      273,452.17
23	$       390,243.63	$                         15,609.75	$                   300,000.00	$      284,390.25
24	$       105,853.37	$                           4,234.13	$                   300,000.00	$      295,765.87
25	$     (189,912.49)	$                         (7,596.50)	$                   300,000.00	$      307,596.50