1. You definitively can leave all your money on a saving account. The worst that happens to it in the first world is inflation eating it away which really isn'

1. You definitively can leave all your money on a saving account. The worst that happens to it in the first world is inflation eating it away which really isn't going to make a practical difference on a few millions. That's like the cost of a cleaner to clean your house. 2-3. That's self-made problems. You don't need to make that kind of investment unless you want your job to become "investor". In any case a lot of the more traditional investment like real estate have countless middlemen to take the stress out of it. 4. That is something you can definitively do with a lot of money too. I know people that retired just after Uni or later in life and did just that. This is an attitude problem. It is very common here on HN or in the tech community in general, even the one with 9-5 jobs. The obsession to make every minute of your time productive, self-convincing yourself that's what you really want to do or that you must do it in order to stay relevant is destroying a lot of people. Unlike the lawyer, doctor, ... the tech community is its own enemy. The other communities tries to get the member to cope with the pressure, the tech one openly encourage it: "So your brain surgeon is not volunteering as a knee surgeon nurse over the weekend to extend his skill and does not run mental health practice in the evening as a hobby business ? What a loser."