Yes. Yes, exactly. At $10k I will buy a boat and sail from the frozen north to southern england and stay there under the palm trees over the winter, then sail back in summer. And with a bit of finagling - ironically involving the services of a bank or other loan institution - I could even get my bits out taxfree, in spite of our ~50% taxes. After that it's time to go shopping for an island paradise somewhere outside of the western world.