Three million yuan grants you permanent financial freedom. At 5?% interest, you earn 150?000 yuan per year is that enough to live on? Even at 3.25?%, you get 100?000 yuan yearly. For most people earning 3000?5000 yuan monthly, receiving 10?000 yuan interest each month without working sounds pretty decent. So 200?300?000 yuan might also deliver financial freedom. Could you spend 10?000 yuan every month?