我计算过， 有200百万美元，no problem 退休。

我计算过， 有200百万美元，no problem 退休。

1) Buy two houses 500k + 500k
paying mortgage $4,700/month ($800,000, 5.75%)

2) Remaining $1,800,000 ($2,000,000 - $200,000 (downpay))
monthly income is $12,000 (assuming 7% annual return, for a period of 30 years)
monthly income is $14,000 (assuming 7% annual return, for a period of 20 years)
monthly income is $16,000 (assuming 7% annual return, for a period of 15 years)
OR (extremely conservative)
monthly income is $12,000 (assuming 5% annual return, for a period of 20 years)

3) Rent income
$1,200 / month or 1/4 of your monthly expenses

4) Other investment to fight with inflation
Every year if income is more than expenses, then invest all the remainings
total stock market fund
For a period of 15-30 years, you have $12,000 - $4,700 + $1,200 = $8,500
monthly income, and must have money left to invest.

5) How to beat inflation
1) The total stock market fund
2) Two houses, at some point, reverse mortgage is a nice choice for one of
houses if necessary (rarely need if everything goes well)