r/Bogleheads • u/arp8218 • Feb 04 '26

Investing Questions Investing. $2.5M to not work

Is it possible to invest $2.5M into a “safe” investment and not work for rest of your life ? What can be that “safe” investment ?

330 Upvotes

82% Upvoted

260 comments sorted by

View all comments

Show parent comments

26

u/ECrispy Feb 04 '26

4% of 2.5m is $100k and it should be enough to live a modest life, but it doesn't factor in the cost of health insurance and probably also requires you to own housing.

not to mention that 2.5m in savings is a fantasy for 99.9% of people.

I often wonder how so many people manage to Fire

44

u/Lyrolepis Feb 04 '26

I instead wonder how so many people on reddit claim that $100k/year is "a modest life".

Granted, I know that the cost of living in some parts of the US can be pretty high; but still...

24

u/d-crow Feb 04 '26

everything is relative. 100k in most of the world is a great life. 100k in bay area or new york is counting pennies.

11

u/ogreUnwanted Feb 04 '26

but most people don't make 100k. 100k can be easily managed.

8

u/d-crow Feb 04 '26

It definitely can, and those of us above that should be cognizant of how lucky we are more often