Keep in mind I do not disagree with you!
Allow me to condense your long comment into seven words: a healthy dose of skepticism is important.
We all agree here.
But notice the lack of conviction in everything you wrote.
Your numbers were almost correct.
You only forgot to add that the money you save will be invested every year. It will return 7% on average (minus inflation which is 3%). So on average your money will earn 4% every year.
Year one: Your $25k will be $26k. Then you add another $25k. So next year you’ll…