According to CoinMeta, Kevin O Leary indicates that $500,000 could be sufficient for retirement, provided that the principal is not touched at all. He believes that by investing this amount of money and maintaining an annual return rate of about 5%, the annual income could reach $25,000. Combined with social security benefits, the annual income could amount to approximately $49,900. O’ Leary's goal of a 5% return rate seems more achievable in 2026, as the yield on 10-year Treasury bonds is 4.78%. However, maintaining the purchasing power of $500,000 is not easy; in July 2026, consumer prices in the United States rose by 3.4% compared to last year.