I would say at least… For me, it’s 0 debt, multimillion dollar home, vacation home, and $30K/month in passive income.

That means 2.5 million for a house and car + another 1.5 million for a vacation home.

In order to get $30,000 per month in passive income (dividends) you’d need about $12,000,000 in stocks with a diversified portfolio.

Thats 16 million after taxes, and around $20,000,000 if you’re talking Bitcoin capital gains and $40,000,000 if you were married without a prenup.

You could do away with the vacation home and scale down the house a bit while living off $10K per month, but that would still cost you 6 million and $10K a month with property taxes/upkeep on a 1.75 million dollar house.

Anything less than 6 million and you’re looking at retirement with declining assets (the 4% withdrawal method mentioned above) or eventually a below average quality of life depending on your age as your rising costs exceed $10K per month (car replacement, health issues, kids college, grandkids college funds).

Anything less than 3 million and in my opinion you’d have a below average quality of life in retirement OR eventually exhaust all your assets with continued drawdowns due to a budget deficit (what most people do).