I guess there's some question of what "FU money" and "rich" means to you. Does it mean never working again? Does it mean working but not having to worry about

I guess there's some question of what "FU money" and "rich" means to you. Does it mean never working again? Does it mean working but not having to worry about your salary (for example, opening up careers like teaching that you might not have considered because of poor pay)? Does it mean being able to buy or do anything you want? Your answers to this are going to affect how much money is "FU money" for you. If it means not having to work, you might also consider why you need to live in Silicon Valley. It's not a particularly great place to live other than the job opportunities, and a million dollar house there costs a fraction of that in most of the rest of the country.