You're right, but there's a better way to think about the $10 million, called the "safe withdrawal rate". If you're 65, a good rate is 4%. This means that if y

You're right, but there's a better way to think about the $10 million, called the "safe withdrawal rate". If you're 65, a good rate is 4%. This means that if you invest your $10 million in a diversified mix of stocks and bonds, and you withdraw 4% per year, then there's a very good chance that you won't run out of money before you die. See: Trinity Study [1] If you're younger, you should probably use a more conservative rate of 3.5%. That's still an annual return of $350,000, for the rest of your life. According to your rate of $110 USD per night, you only need to spend $40,000 per year to live in a four star hotel. First class flights seem to cost around $3,000. You could fly twice a month for $72,000 per year. Then you have $238,000 left over for food and entertainment. (And hopefully some charity.) [1] https://en.wikipedia.org/wiki/Trinity_study https://en.wikipedia.org/wiki/Trinity_study