Just me. But my 4% APY savings account would net me 400,000/yr on $10M, so 4x what i make now; my hypothetical family would also be fine for 100 years
If you carefully read my message and all the conditions you’ll see that 400 will melt faster than you think. Also it will be closer to 200-300 because you spent part of the sum to buy a house.
I could raise a kid in my apartment, plenty of room. My parents raised 4 kids on less than i make, even adjusted for inflation. My friends with kids are not making 400k/yr and doing just fine.
This is why my remarks about "where you live" and "ambition"