People Change, Including Me

In the past, I seemed to have big dreams, dreams of making things, like maybe gundams. Then, slowly it evolved to something that seems more doable like weapons as I find them very cool. I think I slowly become more aware of my own capabilities and reality. The idea before the latest one was to build a robot maid, but I have degenerated further. Now all I want is just to slack at home, to slack until I feel sick of slacking at home and go out and do something meaningful. How to achieve this? Based on my calculations, I will need a min of about $500 a month.

The expenditure breakdown:
Ignoring the need to rent or buy a house (assuming my parents don't kick me out)
- Food:
-> $5 per meal for 2 meals a day
= $ 300 a month

- Electricity and water bills:
= $50

- Internet and phone bills:
= $100

- Additional $50 in case any of them exceed budget

Therefore I will need at least $500 a month to survive and live on this lifestyle. However, that is based on my current self without any girlfriend or external commitments that I will have in the future. Based on current projections, I think this plan will not change in the foreseeable future. In the case where I have a girlfriend, my guess is that this plan will certainly fail and I will have to come up with a new plan, but that will only concern me when it happens.

So how to achieve this $500 a month plan? Given my current debt of 52.2k, and based on investment dividends of about 3% a year, I will need 200k + my debt which is about 252.2k. This means I will not be able to slack until I am able to achieve these amount in my savings. Assuming I am able to save and invest $1k a month without accounting for inflation and compound interest rate, I will need about  21 to about 22 years to retire and slack. This translate to me working from the age of 25 to about 46 or 47 years old. How old.

If only there are easier ways to earn money and retire. There is no need for luxurious food or travel, all I want is to be able to slack and do whatever I want until I am sick of that lifestyle. I guess I am what people call the "strawberry generation". Sorry peers, I am part of the problem.