I would identify myself as “ramen rich“. Specifically, my post-tax living expenses (rent, food, gas, entertainment, ...) are ~30X my liquid portfolio, all inves

I would identify myself as “ramen rich“. Specifically, my post-tax living expenses (rent, food, gas, entertainment, ...) are ~30X my liquid portfolio, all invested in a bunch of diversified index funds that throw dividends/interest income, as well as increasing their NAV. It improved my life in the sense that I don’t feel the pressure of having to keep a job I don’t like: I can quit and not work for several months and nothing will happen. Even if I don’t actually quit, just the thought of me being able to do it gives me a lot of comfort. I suffered significantly from this in the past, where I was stuck in non-ideal work situations for financial/immigration reasons. But it’s far from being truly liberating: I constantly think that a significant drop in the market could jeopardize my position (and I can’t move more than 30% to fixed income investments, since I am young enough that inflation is otherwise going to eat all my capital away), or a crazy medical emergency force me to go bankrupt (and I say this as I have a pretty good health insurance plan covered by my employer). And, I think it would be nice to have more money for discretionary (e.g. more traveling) or unforeseen expenses.