Both. $5 million becomes $3 million after taxes, and assuming I can average 8% returns, with capital gains of 15% and 3% inflation, I'd be at my current salary

Both. $5 million becomes $3 million after taxes, and assuming I can average 8% returns, with capital gains of 15% and 3% inflation, I'd be at my current salary. That gives me the cushion to bootstrap my startup without having to work a day job, and when I get a prototype and traction, I'll apply to YC.