I don't think you are fully grokking "not worrying about finances". Your scenario requires consistent outsized market returns to give you less money than the poverty level. You will be wiped out by inflation, a recession, a newborn child, or a myriad of other unexpected expenses that will quickly blow through your poverty-level allowance.

That's nowhere near "not worrying about finances". "Not worrying about finances" means you never have to work a job for income, you don't depend on the social safety nets of a single country, you never have to worry about affording a place to live, getting optional healthcare and so-on.

You're thinking that people who don't constantly have to worry about finances is what the poster is talking about, but that's worlds away from never worrying about finances again.

>I'm just amazed that anybody would think they need $10 million to be comfortable.

Seriously, read the thread again. This has nothing to do with comfort, it's about FU money.