My plan to make a Billion

Your plan is mathematically sound but practically flawed for a few reasons:

1. Time Horizon: Waiting 100 years to see the results of compounding is unrealistic for most individuals. While the math checks out, you won't personally benefit from the $2.1 billion unless you're planning for future generations.

2. Inflation: Over a century, inflation will significantly erode the purchasing power of your $2.1 billion. What seems like a massive sum today may not hold the same value in 100 years.

3. Market Volatility: Achieving a consistent 10.5% annual return over 100 years is highly optimistic. Markets go through cycles, and there will be periods of downturns, corrections, and black swan events that could impact your returns.

4. Practicality: If your goal is to build wealth within your lifetime, you might want to consider a more balanced approach. For example, investing in a mix of index funds, equities, and other asset classes while also exploring ways to increase your income and savings rate.

5. Legacy Planning: If your goal is to leave a legacy, this plan could work, but you'd need to ensure proper estate planning to pass on the wealth effectively.

In short, while the math is fun to think about, a more actionable plan would involve a diversified investment strategy, realistic return expectations, and a focus on building wealth within a timeframe you can enjoy.

Sources: Why doesn't everyone invest in index funds?, How Would You Invest $1 Million Today?, Overnight 23-year old BTC Millionaire? Life Choices, https://www.wallstreetoasis.com/forum/investing/my-key-takeaways-from-the-introduction-of-the-intelligent-investor-part-116-to-be?customgpt=1