I know quite a few people who have achieved that level of wealth, all but one have dropped their work load massively, down from 40+ hours/week to 2-4 hours. The

I know quite a few people who have achieved that level of wealth, all but one have dropped their work load massively, down from 40+ hours/week to 2-4 hours. They still love making money, but they value their leisure time much more and enjoy their largely work-free life, so I have some doubts that people generally continue working as usual when they have enough money to guarantee work-free subsistence for the rest of their life. Maybe I have a different understanding of subsistence than you? They don't live of the land and sleep in a tent, they live pretty average lives, living in an apartment in the city, buy food from the super market, wear normal clothes and ride bicycles. It does take quite a bit of money to guarantee enough secure long-term passive income (so "just invest it at 15% profit" is not an option) to pay for the basics, I'd put it at 300-500k Euros in my area, post tax.