Life planning

According to this excel spreadsheet I used: Investment Plan.xls

I will become a millionaire in 23 years if I put $20000 in investment and grow my wealth by 7% every year. (Although my current investment performance is better than that, I’ll use 7% as a safe estimate). This is provided that I am able to get a group of people in an investment club to start a corporation together. In order to avoid having personal income tax applied to the hard earned money a corporation with practically no income applied to tax is needed. The best strategy is to go in long term investment that has high dividend rates and hold on to it so you can declare 0 income for some years. There’s so much reading to do, so many laws and tax laws, not to mention testing people’s interest. There’s so much ideas rushing through my mind on other opportunities now that I’ve found my place in life. Not the purpose of life, mind you, but what I can do. I want to take advantage of my lack of shame and desire for a challenge to explore different worlds of our society. I want to show people what it’s like to experience something else. Nothing like hearing people saying they want to do it again right after the event to make an organizer happy. They didn’t say, it’s good or they enjoyed it for politeness, they want to do it again! That is the best reward in my opinion.
With all the spendings calculated and deducted, it’d still leave me $6990 per year of spending money on any kind of crazy shit I want to do. If I combine that with what I pay for housing, I might be able to pay for a house’s Mortgage… it’s cutting it close though because I’d have no furniture for 23 years.

So hard to choose. Two distinc lifestyle of having too much spending money and having none.