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I agree with sgt101 though. You're right about (1); I don't dream of $2M in the bank, but not having to work for a living, and have all the time in the world to pursue my actual interests.

But (2) I disagree with. I don't have $2M but I probably have enough to retire in a shit country and live frugally (before you judge me: I was born and raised in a shit country, but managed to get to a better place, literally and figuratively). I'd have all the time in the world to pursue my actual interests; but at the cost of living in a shit country, having to worry about my physical safety or other similar concerns.

With $2M though (or more realistically, with $5M, but the point stands) I could achieve (1) in the awesome country where I live now. So yes, in my case, $5M in the bank would absolutely solve the problem.