How can an ordinary person achieve a lifetime of spending without running out of 1 million?

Assuming you now have 1 million, with a fixed monthly expenditure of 3000 yuan.

How long can you last? The answer is 20 years.

What if we change the approach?

You still have 1 million, still spending 3000 yuan each month, with an annual inflation rate of 2.5%, but you don't let the money sit idle; instead, you make asset allocations.

Your annual return rate is 6.5%, how long can you spend?

The answer is you can spend forever, that's right, forever!

Because every year the money you make from your money exceeds your expenditure, and it can even outpace inflation, so the key question changes.

It's no longer about how much money I need in total, but how much I need to spend each month?

In a second-tier city, with a net expenditure of 6000 yuan per month, without worrying about rent, it should still be a relatively decent and comfortable living standard. How much principal do you need to support such a life?

Calculating with the above method, it's about 2 million. When you have this money and the ability to generate returns, what you gain is certainly not the ability to buy cars or houses, nor luxury goods, but a kind of freedom of choice, which is called financial freedom.

This confidence to say I quit anytime, the freedom no one can force you to do what you don't want to do, is your goal of struggle and the most expensive luxury. At this point, work is not about earning a living, but about entertainment!

You go to work just because you're a bit bored at home.

If any environment is uncomfortable, you just leave.

Salary is just the extra reward given by the system when you play games.

For most professions, if not for making money, but just to experience, it can still be quite interesting, like taking photos of strangers on the street, being an NPC in an escape room, traveling as a hotel experience officer, or even doing the same things in your original company.

But once you are not controlled by anyone, all work becomes clear and bright.

When you do something purely for the joy of it, you actually have a greater chance of doing it better than everyone else.

So the endpoint of financial freedom is not how much fixed money you have,

But to turn your whole life into your own amusement park, with others as NPCs.

Enjoy your own system well!