I don't know if a couple million is "fuck you" money in 2023 (enough to never work again and eventually retire while living a fairly luxurious lifestyle?), but point taken.

If you can't say "fuck you" with a couple million in the bank, tax paid, in 2023 then you're living WAY outside your means.

I can say "fuck you" with no money at all, since I can still talk for free!

How much do you need to take a, say, $130K income for the rest of your life? (Which is still not really enough to live at a wealthy luxury standard). Depends on how old you are and how long you'll live, as well as anticipated rates of investment return. But it's almost definitely more than 2 million.

https://www.thekickassentrepreneur.com/never-have-to-work-ag...

FU money has nothing to do with living a wealthy lifestyle. It's having all your basic needs taken care of so you don't have to do things you don't want to do to earn money.

See John Goodman in the Big Lebowski for a full definition.