I live in Cambridge, MA and I can&#x27;t see any way that $10MM isn&#x27;t enough to never worry about work again. At a first approximation, that&#x27;s $300-350K in income without much risk of principal drawdown. It&#x27;s surely enough for $250K in income (plus an inflation &quot;raise&quot; each year) forever.<p>If that&#x27;s not enough to not worry about work, you might have lifestyle issues.<p>$1MM won&#x27;t buy you a &quot;really nice house&quot; here, though, so I agree with you on that point, but it is still enough to not worry about housing if you choose &quot;sufficient, not luxurious&quot; level of housing.