1. If you cash reserve is $5m, you probably have asset > $50m. Why are you only at level 4?
2. many people here can sell their rental houses to get $5m to qualify for level 4.
3. Many of us can leave $10m to generate $400k/year over inflation so our kids can live on. Not rich but free to do anything they like, generation after generation.
4. Many people here already have $10m+ or $20m+ to leave for their kids. And their kids are attending ivy league colleges. Should they?
