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With $1M net worth (expect $40k/year annuity,) you'd have to live frugally to be truly independent, especially of you have a family. With $5M net worth, you could live well, independently.

A 9-5 is unlikely to let you save $1M, much less $5M, unless you're high level in a big company. If you're very early in a big success, you can get there.

However, in many ways, employee 15 and up is the worst of both worlds. Small stock grant, sub market salary and benefits.



Caveat lector: author is talking about USA.




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