Earth will become inhabitable faster than that. The timeline at

https://en.wikipedia.org/wiki/Timeline_of_the_far_future

is thought provoking.

I think the scuttlebutt is the sun gets increasingly brighter and strips off all the earths hydrogen in about a billion years.

That’s more than enough time to colonize most of the galaxy.

Oh no my 401k retirement fund isn’t going to last that long