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Depends on your age and where you live. If you're single, no kids, and don't need healthcare, sure.

Where I live (not expensive like SV), they recommend $90K+ to "live comfortably".

A 1 bedroom apartment is $19K/year. Insurance rates vary widely, but premium + deductible - you may want to assume $10K/year. So you're already at $30K without eating, Internet, utility bills and transportation.

I'm sure one could live off of that 1M if fairly frugal, but it's not what most people want.



Healthcare is taken care of by his taxes.


A quick google suggests more than a third of Germany pays for supplementary private health insurance (Zusatzversicherung) in addition to what their taxes take care of.




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