Last time I was quite naive. Probably still am, but hopefully less so lol. I thought that after reaching financial freedom, I can relax. No need to work, shake legs and spend my passive income and I'll be happy. I calculated my expenses to be $2.5k per month (that's before I have a lot more adult responsibilities like the current me), which works out to be $30k per year. Assuming 5% returns per year, I just need to get 600k capital and I'm settled. And that number just gets anchored in my mind for the longest time. I am naive because: 1) On paper, having 600k @ 5% per year can settle my monthly expenses, but it just makes my life easier. I still have to work because there's no buffer. I can't sleep well with 100% invested in the market as well. In practice, I need more than 600k, probably...