[bot403]

The tough part is someone with 20 million "in the bank" will have a hard time constraining themselves to 200k/yr expenses. It seems like a lot but next to 20 million the temptation to spend a little, like 1m on a house, 100k on a car seems like nothing and a potentially reasonable purchase. But it drastically changes the trajectory of that balance.

And you wouldn't feel as good spending 1m on a house or 100k on a car with a 200k salary and zero in the bank.

[hackeraccount]

and the further you get from the actual work that created the nest egg the greater the temptation - because no one treats found money like earned money.