4% of $1m = $40K... there's people that go to work for less, you know! It's true that if you've got the sort of job that lets you save $1m by the time you're 3

4% of $1m = $40K... there's people that go to work for less, you know! It's true that if you've got the sort of job that lets you save $1m by the time you're 30, switching to a $40K/year lifestyle could feel like a bit of a step down. But, look on the bright side: you don't have to go to work. You just need to ask yourself what you want from life, and choose accordingly.