Not 'more simply', there are basically zero savings accounts that are going to net you a 5%+ interest rate to give you that $100 a month. And that $25k becomes less valuable over time. $25k is now only worth $19k because inflation.

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spacephysics 3 hours ago | parent | next [-]

Money market/treasuries (even ETF like SGOV) gets pretty close to 5% when typical savings rate is a bit under

If treasuries “fail” we have a different class of problem.

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wonnage 2 hours ago | parent [-]

Rates are around 3.5% right now before taxes.

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buerkle an hour ago | parent [-]

There's still many high interest savings accounts that are at least 4%

	▲	AbsurdCensor an hour ago \| parent [-]
		And you still need at least 5% to do what OP is suggesting.

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mkjs an hour ago | parent | prev [-]

Do you think the hardware will still be worth $25k once it is five years old?

	▲	AbsurdCensor an hour ago \| parent [-]
		Do you think monthly AI 'subscriptions' are going to be $100 a month in 5 years? These people using these would probably be on $200/month subscriptions and with that OPs assertion of 'shoving away and paying with interest' makes no sense.