Bond Yields show a 3% 10 year rate, which means 0.3% per year 0.003 x N = 100,000 per year living expenses. N is the size of the bond N = 33.3 Million Bucks How many people have 33 million to put into a ten year bond and for those people can they even use the 100k per year or do they have to wait for ten years to use it. And we wonder why people buy high yield junk bonds.