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> I think you are discounting the fact that in the second scenario you don't have to work

*for a while. Only very few people are able to save enough to never have to work again, even with a low standard of living.



If the plan is to live off the savings, probably not. The idea is to make some investments, either stocks or real estate (for renting, for example), and have the money work for you.

It is not easy in any case, that's for sure. Besides, I sometimes think if I could get there, I would work time to time in interesting projects.




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