| ## A Perpetual Money Making Machine One of the most interesting ways to think about the net worth you’re accumulating in your pursuit of FI is this: You’re building a perpetual money making machine. It’s fun to really envision that, right? A machine that consistently, year after year, spits out enough money for you to live on without needing to work. It seems like magic, but it’s just math. You’re taking your excess savings during your working career and investing it (most likely in low-cost broad based index funds). Then, time and investment returns are compounding that savings into a pot of money that will let you withdraw about 4% of it every year. And thus your perpetual money making machine is built. --- ## Increase Your Luck Surface Area I heard Tim Ferriss talk about