[quote=earlyretirement]
Yes, any reasonable person would be able to make more than 3% a year but no guarantees in life. Again, this isn’t for everyone. You just have to crunch all the numbers and look at your personal situation and tax rate and any applicable exemptions and see what is right for you.[/quote]

This, I agree with you 100%. It is not a clear-cut no-brainer as some have claimed. The more variables you introduce into the equation the less apparent of a no-brainer it is. That is essentially the point I was trying make.