I contract. So if that dries up, I&#x27;m screwed. But luckily I have an interest in something that is highly valued in the modern world; software development. So it&#x27;s incumbent on me to make sure I can get work, and, so far, it&#x27;s been OK.<p>I think I said in my original comment that threshold is &#x27;to support the lifestyle one expects&#x27; - I purposefully left it open ended. My expectations are a result of my upbringing in a middle class household etc. Also, my point is about low income earners - the majority of the world.<p>I agree that if your goals in the economic game are to be in a position where you don&#x27;t have to rely on a salaried income then I&#x27;m doing it all wrong. I&#x27;ve made the decision that enjoying the things I can do with the money I have now is worth more than saving more of it for some other end. One has to make choices. I might die tomorrow. Who knows? That said I do make plans for the future.