When you have 10 million in hand, even if you calculate it at an annual return of just 4%, you'll have 400,000 in passive income in a year. At this stage, you basically no longer need to worry about living costs. Rent, food, medical expenses, family spending, are no longer the stone weighing on your chest. The truly important change is: you have the right to make decisions without urgency for the first time. You can choose not to do something if you don't like it, you don't have to endure if you don't want to, you don't have to compromise yourself for next month's bills. Many people think success is about earning the first pot of gold, but the real watershed moment is actually this: when your money starts to bear the weight of your life for you. From then on, you work because you want to; you choose because you have the freedom; and not because you are afraid of having no income.