You're dead-on in terms of the value of recurring monthly income, hopefully -passive- monthly income! In today's zero-interest-rate environment it is very diff

You're dead-on in terms of the value of recurring monthly income, hopefully -passive- monthly income! In today's zero-interest-rate environment it is very difficult to generate risk-free income from capital alone. Instinctively it would seem that "a million dollars" is cooler than "$10K/mo with little or no effort/time commitment" but if it lasts, long-term the latter is actually more valuable.