If some dude is earning a million a year for four years, let’s say that $800,000 after taxes. He can live on $100,000 and buy $700,000 worth of CDs each year, which pay $35,000. Four years of doing that, and his CDs are throwing off $140,000 a year.
Conversely, he can put HALF that amount in CD’s to pay out $70,000 a year, and with the other HALF in savings ($1,400,000) buy a franchise or start a business.
Or, he can take HALF and buy two houses for cash, and then rent them out for $3,500 a month, or $7,000 total.
Lots of options. I don’t see the problem.