[IkmoIkmo]

With that kind of money (i.e., so much money you can risk not earning anything for 10 years straight) you can open yourself up to a higher risk-profile.

Stocks for example have averaged, inflation adjusted, about 6% in the past 50 years. 6.6% in the past 60 years and 8.2% in the past 40 years, for comparison. So let's say 6%. This is inflation adjusted, and dividends reinvested.

At that point you're earning $180k a year. Even if you spend $100k, you'll be accruing money over time while maintaining purchasing power. In 50 years, you'd add another $4m of inflation-adjusted wealth for example, but that's wildly underestimating reality as that doesn't figure in the compound effects of adding $80 to your wealth each year.