I totally agree with the tldr here. I think the tipping point is probably somewhere around $10-12M in assets, where you should start looking further than what

I totally agree with the tldr here. I think the tipping point is probably somewhere around $10-12M in assets, where you should start looking further than what Vanguard has to offer. At that point, following the 4% safe withdrawal rule, you can have an income from returns that puts you at or near the top 1% of Americans. Beyond that is when you should start looking into things that the truly rich consider, like hedging for capital preservation.