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[–] rwbj ago 

The million and it's not even close.

Index funds have been hitting returns pushing towards 10% for many years now. That million is potentially worth $100k a year - indefinitely. Even if we assume we pay about 40% taxes on it, that's $60k a year and capital gains in countries like the US are taxed unreasonably low meaning we're paying a lower tax rate on that 60k per year than you'd pay if you worked for and earned $30k a year.

As a software engineer that's enough to be able to work on whatever projects I want for the rest of my life without ever having to concern myself with commercial viability.