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> Most people are not financially responsible.

This is basically the real answer.

> London alone has over 400,000 millionaires by NW

But that's mostly because of house prices no? Those don't pay interest?




It's still endgame.

If you own your home outright you're done. Add another 100-200k or so and you're (baseline) retired in a country with healthcare, etc.

After that, do whatever you want with your money, it's fun coupons.




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