[BrandoElFollito]

The low millions, at least in Western Europe, is not enough to sustain a comfortable life without working when you are 10+ years from retirement.

Of course you can always go for a frugal life but the average middle class one (vacations, no much worries when going to the supermarket, ...) for a family of 4 is not easily doable.

When you have the 7M€ OP has, you have a realistically stable income of 140k€ post taxes which is very comfortable. I think that the tipping poing is around 5M€.

[throw_this_one]

That's with no income at all for the rest of time, etc.