$10M in the bank is very different for a family of 4 staying in VHCOL (Bay Area/ Manhattan) vs single person staying in Bangkok. The answer to this question depends on a lot on that versus job satisfaction etc.
Buy a summer place on a lake in the Midwest for under 200k. Get a winter place somewhere warmer, since the weather must be what people like about CA. We have tons of retirees doing this with well under $10M.
I can safely say as someone who FIRE’d in his early 30’s that it doesn’t matter how much money you have because women are very adverse to a man who isn’t working. Mind you, I am quite physically ugly and so my experience is not that of everyone’s. It might be that for men who are of average and above looks that it doesn’t matter as much but for the women I encountered it mattered a lot that I wasn’t working. It didn’t matter how much money I had made. I was spending on a lavish lifestyle in manhattan as well. I gave up on pursuing a family life due to poor genetic basis, chose to be single back in the Bay Area, and go back to work since there’s nothing else to do. All my goals were revolved around family and building a life for a family. No point in those goals if you’re alone.
But even so, just going by the 4% rule, that’s still $400K a year. The median household income in SF Bay is $130J