My wife retied at 30s and already went to most of the countries she wanted to go. The last trip costed around 30k with some souvenirs purchased here and there. In the future there won't be much will be spent on travelling.

Personally i don't like to travel, Japan was the country i wanted to go so much as a kid, but once i went there, i realised one thing, the world has become so small due to the Internet, almost everything i wanted to see there i could see from the local shops and photos from the Internet (mostly collectibles like statues, action figures, etc), and i also realised i don't feel the excitement as i expected when i see the things there. There is no more reasons for me to travel (and sightseeing for me is really boring you know), so i just let my wife goes travelling with her friends, follow those fixed trips, etc.

When i was doing the calculation, when i said "safe", is even if i used 15k monthly, i still have another amount left for backup, it is the backup of the backup (7-8k used, can have back up till 15k, after reached 15k, i still have backup of the backup. I am a very safe person, just an example, if i calculated 1mil is enough, i will make it 4mil to feel safe. And if people can get 4% from bank and 5% from EPF, i would make it 3% averagely for calculation). And i also mentioned that 200-300k will not be used as a calculation for the interest/dividend's return, so even if i wanna travel, the money will be from this money pool that won't affect the return's calculation. The modal i put in ASM/FD/Bank/etc, even if it is 0 interests / dividend earned, i still can live very good until i am leaving this world, this is the main factor that helped me to made up my mind.

Compare to many here i saw, their net worth are really high, but i am satisfied with what i have now, really appreciate. (Know a real life guy, monthly bank FD interest can be > 300k per month assumed he put everything in to FD with 4% interests, how do you imagine this kind of life?)