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10 used to be safe where fuckups could happen and you'd survive. But the market plunge changed all that. I think you need to be in the 25 to 50 range now and even that can get dicey if you invest a lot of your wealth in startups and the like where things can go south quickly before you can get out.
I was talking with a woman friend who has $2.5 M cash in the bank, not counting her other assets, and she said she is scared shitless right now about being able to retire and not worry and feels completely at risk compared to her other friends. So its all relative and how you look at things.
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