The numbers showed that option 2 closes the performance gap as I approached my target retirement age (65+) and exceeded it in retirement.My calculation does not factor in equity appreciation - just compounding of present value.I like the fact that option 2 gives me income while waiting for retirement. 

It's the idea of compounding interest.3.

I'll have to try it.What kind of cleaning compound do you use?

That can involve leveling compound or underlayment designed for flooring.This might seem a little picky but I really want everyone reading this post to understand.

Forget about draining your savings or tapping into your 401(k) (translated: never interrupting your compound earning curve)!

Say you put that 10k in and made 7% per year for 5 years and compounded it each year that equate to a 7% IRR for those 5 years precluded that your 10k was returned to you at the end of the period.

For example, if you take a loan for $200K and it compounds at 18% per month, how could you ever generate enough cash flow to stop the runaway inflation from that loan?

Firstly, I commend you for having this perception at this point in your journey.I would state that at your working age you have considerably more longevity and runway and time for compounding returns. 

The simple answer is it allows you to compound your money faster.

Or put more money in and perhaps throw good money in after bad.Neither option is attractive but delay only compounds the problem.No one is going to rescue you on this deal.