$2 million definitely isn't fuck you money. Especially if you're in your 20's-30's and came from an average income household. I had an acquaintance win a tax free $4.4 mil about 10 years ago. Walked into a bank and said "I don't ever want to work again." They said it'll cost you $2 mil and got him into some investments, very low return, even lower risk, that are pretty much guaranteed to yield him $100k/year He then set his immediate family up, and bought himself a new house and car. He lives a very comfortable, but not lavish lifestyle. I'd estimate depending on how much you want to help out your friends/family around you that $3 mil is probably about the minimum in the "Fuck you money" department. Yes, he could have invested in more aggressive options, but he then also has a higher risk of losing it all, like happened to a bunch of people in 2008. People who laughed at his low yield investments 10 years ago are asking him for hand outs now, lol.