Are you serious? After taxes that's maybe 1.8mm each. That's great, but certainly not never-work-again, especially in SF where the median one bedroom goes for 3

Are you serious? After taxes that's maybe 1.8mm each. That's great, but certainly not never-work-again, especially in SF where the median one bedroom goes for 3300/month. When doing FU calculations, you have to figure out how much you can earn from investing it, then factor in cost of living increases over the next 40 years. Put it another way, if they invest and get 4% annually that's like earning a salary of 72k. Good luck living on that in SF with rent increases. (Starting salary for a new CS graduate at bigco in the Bay Area is like 105k).