Hacker News Reader

MMM is probably https://www.mrmoneymustache.com/

Yup, he's discussed this exact topic years ago, and presented it in a much better way.

https://www.mrmoneymustache.com/2012/01/13/the-shockingly-si...

Notice how his post is titled "The Shockingly Simple Math Behind Early Retirement." It's pleasant, accessible, and it doesn't make you feel dumb for not knowing about it.

Abbreviation for a popular blogger in the financial independence / retire early domain. See: https://www.mrmoneymustache.com

Perhaps the Ponzi scheme?

https://en.wikipedia.org/wiki/MMM_%28Ponzi_scheme_company%29