[mtgordon]

Don't forget that the 775k in 2044 might not be worth as much as you think it is (assuming you didn't discount for inflation). Most people assume somewhere around 10% for investments and 4% for inflation (I'm guessing here and would be interested in other people's #s). So you're only netting 6%.

Now if it's in a taxable account and you're paying 30% tax you're paying 3% in taxes (10% earnings at 30%) so you're only netting 3%.