this post was submitted on 14 Jan 2024
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[–] sugar_in_your_tea@sh.itjust.works 11 points 10 months ago

Massive is relative. If you have $1M and need $40k to live on (4% rule), a 50% downturn is massive. If you have $10M and need $100k to live on, a 50% downturn still leaves you plenty of room.

You don't need generational wealth, you just need a enough that the general "rule of thumb" is way more than you'd ever need to spend. That can be amassed in one generation.