Another way to frame all this is to look at the monthly payment relative to stash size.

Just like you can look at a $100 a month cell phone bill as $30,000.

$2k a month, if you assume your 4% is equivalent to 2x12x25= $600k. stash. for income purposes. You never get that 600k though.

- this number would change based on what SWR you like best.

You could also look at it from the "how many people are working for me?" point of view. at the estimated 1700 hour year your little green soldiers are making you $14.50 an hour. that is almost 2 minimum wage workers working for you full time.

Here is the easy math version using a calculator.

http://www.moneychimp.com/calculator/compound_interest_calculator.htm24 years with $94,525 capital @ a reasonable 6% is $397,532.35.

if you assume that same 6% off of that each year to compare to your $2055, you are looking at $1985.

- But that is an inflation adjusted $1985, in today's dollars.

If you redo that calculation with the 'real' (not inflation adjusted) numbers it looks more like this. (since you said that 2055 is not inflation adjusted right?)

- that is roughly 10%, but I am going a little lower with 9%

24 years with $94,525 capital @ a reasonable 9% is $813,059.77.

9% a year off that is $6098; which would also still inflate.

Now how does that compare to the $2055?

Inflation is a big deal.