[10122018]

> This shows a pretty big disconnect.

Yes it does. That was my point.

For starters, you're assuming I'd want to live off the investment, instead of continuing to work.

Regardless, I shouldn't have mentioned the arbitrary figure of $100K, which has made it so much easier for people to ignore my point, that many people are comfortable with much less than $10M.

[fabricexpert]

You're presuming you can continue to work.

$10M means you don't have to work, even when you can't.

[10122018]

I agree, that is an assumption built into my belief, and possibly a foolish one.

I would still maintain that it is possible to live on much less than $10M, although some may not enjoy the change in lifestyle.

[zeveb]

> For starters, you're assuming I'd want to live off the investment, instead of continuing to work.

Okay, fine. You mentioned that you're a student, so I'll assume that means you're 22: if you're a man, that means you have another 55 years. That $100,000 thus works out to an extra $1,818/year for the rest of your life, which is roughly a month's rent or a dozen or two really good meals a year. Is that a nice supplement to your wealth? Sure. Is it enough to make your life significantly better? No, not really.

Ah, but perhaps you're investing it, too. Let's say that you get 6% a year (optimistic), and withdraw 1/55th of the principal + interest each year. So this year you'll get $1,927, next year you'll get $2,006 &c. Is it nice to have that extra money? Sure! Is it going to be life-altering? No, not really.