The average rate of yearly inflation rate in the USA is 3.22%.

Your first job: calculate the amount of money you spend per day on average. That'll involve monthly bills + food + gas money + any other regular costs.

Now, calculate your life expectancy. This can be done here,

http://gosset.wharton.upenn.edu/mortality/perl/CalcForm.html.

Let's assume you get extremely lucky and open a savings account with an annual return of 1% growth per year. Query: how much money would this savings account need on year 1 (today, if you start the account today) to beat inflation by the time you retire/die/reach a certain age? Since everyone's life is different in terms of daily spending, our numbers will vary somewhat.

Edited 9/21/2015 16:38:40