You are also assuming the ROTH IRA was never invented.Fourth, the error in your math is you are assuming a single yearly deposit and compounding yearly.And by the way, I agree, the 50 yr time span is probably not a fate our 20 year old would face if they set aside $50 a month.

His focus is on IRA buyers. 

I cut him a deal in that he would build us our "analyzer" based on the data-points I gave him and I would manage his IRA for him.

You have a secret strategy to ramp up your savings rate and a way to peel off your 403b savings periodically and making it available to buy rentals in a SD-IRA you move your 403b funds to. 

If you can get cheap money (IRAs, 401ks, Family and Friends) you can save a bit.

Lastly, it's worth noting that anyone with a self-directed IRA can lend you the money - you can even partner with your own SDIRA. 

People assume negative cashflow in their IRA/ROTH/402k retirement plan.

Similarly, Texas law states that a homestead, IRA accounts etc. are protected from creditors. 

Someone who is familiar with inheritances and IRAs and real estate investing.Thanks in advance.

@Braden DownsOne option is to invest your Roth IRA in real estate and all the income flows back to the Roth IRA and it grows tax free.