I think the actual models don't really consider what happens during times of huge economic down turns either. For example, would the same 5% be the same when stocks crashed 50% or when it increased 50%. The market tends to take the stairs up and the elevator down so it doesn't exactly account for things correctly in the stock market.

However I do think the idea of renting houses for cash flow can probably work. But the downside is if housing prices crash so you need far more extra cash flow to account for the horrible situations. So do the models work out? No they don't but they help people save so they will be better off compared to those who don't.

I also want to build a sustainable income stream and be able to do what I want. I think HIVE and crypto has many opportunities that are good. As much as how I do decent in the stock market, I just find it annoying when an alert happens while I am busy. Thus sometimes I lose more than I really want since I don't like stop losses (market makers screw you over).

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