That’s only $3M total gross. You paid over $1M in taxes across fed, state, and FICA. You probably spent over $500K if you lived quite frugally. That leaves mayb

That’s only $3M total gross. You paid over $1M in taxes across fed, state, and FICA. You probably spent over $500K if you lived quite frugally. That leaves maybe $1.25M plus some growth on that. Call it $1.5M. That will give you $60K/yr in income with high likelihood to last 30+ years. Pay taxes on that and you’re living in less than the $50K/yr you were living on before plus you have to buy health insurance. That’s not very appealing to most.