 Why do you want this? Because it allows you to live in retirement and not be on a budget. You got 50 grand coming from Social Security, 50 grand coming from the investments. You're at 100,000 a year. If you're only spending 80 on your budget, dude, you can spend 20 grand a year on trips and you don't have to worry about spending money. Now, I don't know about you, but I look at that and I think to myself, that is not rocket science.