<prompt> Human: I used a compound interest calculator, starting at 0, adding 22,000yr, and compounding 7 at the end of each year. 10 Years 304k 20 Years 900k 30 Years 2 Million 35 Years 3 Million 40 Years 4.4 Million4 of 2 Million is 80,000. Between dividends, bond interest, and capital gains it is OK to withdraw 4 of your portfolio each year. Ideally you would live off the interest and not touch the principal. Withdrawing 4 wont guarantee that you wont touch principal but it is pretty damn likely you wont outlive your money either.I didnt take into account that contribution limits will increase in the future, so it will be possible to put even more in these accounts.I could certainly live off 80kyear. Does this mean it is likely that I can retire after working 30 years?  <response>: Well, for one thing some of us dont even make 22k a year period. Even as a household. So...that may be why some of us arent millionaires. 