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You're neglecting capital gains tax off top, it's 2125 a month. Rent where I reside is roughly $1800 for a 1br. That leaves $325 for literally everything else you need. Health insurance will be a minimum of $400. Need a car? Let's call that another $300 for insurance and gas, maintenance would obviously increase this. Food could be as low as $200 if you skip meat entirely and basically stick to rice and beans. Utilities $200. You're gonna need clothes too, there's another $50. Need to see the doctor? Oh boy, good luck. This omits the majority of incidental expenses too, which add up real fast.

Now you've well exceeded your interest, hence no compounding interest; in fact your principal is dwindling meaning less interest and more drawing from principal going forward.

Have a kid? Unexpected chronic medical issue? There's another chunk. You could realistically stretch it for decades, especially if (like I said yesterday) you lived outside of a city. In a low COL country it could last a lifetime, but that's not the scenario you were responding to.