That’s fair enough, I still rent, as does my sister and we both (and my mum) have debts. As I would be sorting all that out, the million would be down considerably pretty quick, as well as wanting to set up my partners fitness studio.
Realistically to have ‘quit your job money’ (especially as I don’t hate my job, and being able to spend some of that money on surgery I need for my joints and Crohn’s, or holidays or something more luxurious before taking early retirement, rather than quitting straight away and retiring) I would probably only start thinking like that after more than 1m. I don’t know. Like 4 or 5? I’ve not cost it up, it could be less.