$4M is enough to retire almost anywhere in the world. A conservative withdrawal rate of 3.5% gives you annual investment income of $140,000. Keep in mind that t

$4M is enough to retire almost anywhere in the world. A conservative withdrawal rate of 3.5% gives you annual investment income of $140,000. Keep in mind that this income is not tied to a specific location, and you don't have to work for it. It's a huge amount of money anywhere outside NYC and SF. $8M would give you $280k / yr. That's a huge amount of money, and quality of life doesn't increase very much after that. Also you can be your own boss and work on your projects or hobbies. I think the "financial independence" part is more important than "retirement". Maybe you have a very different idea of "retirement" than me.