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Consider the context. He's not talking about an invulnerable plan for when you can no longer work. He's just sort of playing with numbers to see if you can live without a job by being somewhere heap & what that would look like.

Some of the applications sound a lot more like a careers break, vacation, or a few years off to volunteer.

Naturally, you'd need to consider how much you need, what are acceptable risk & such depending on your application.

His high low estimates for how much you need also vary almost 7/1.



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