That's the short answer. The longer answer is that if you're currently spending six figures per year, you're only a fraction of the way to financial independen

That's the short answer. The longer answer is that if you're currently spending six figures per year, you're only a fraction of the way to financial independence, but "coast FIRE" (as the parent comment alludes to) or maybe "barista FIRE" is a possibility. So after going through the Bogleheads wiki pages for "managing a windfall" and "getting started," you end up on the forum debating the relative merits and risks of various lifestyle decisions, whether it's better to grind for another decade in your current high-paying and high-status job or plan on working a lower-paying and lower-status job for even longer, trying to figure out what you and your spouse really want out of life. Source: I'm just a bit younger with a bit more money (from saving from my W-2 paycheck and boring index fund investing since my early 20s, rather than a lucky crypto coin purchase) and I've already been trying to answer these questions for myself and my family for the past few years.