>>15196099100k isn't a lot in an urban hive, as crazy as that sounds. Service economies expect you to buy services, as you're paid for your services. This means eating out, a lot. Spa services. Repair services of one sort or another. Services for your pet. Services for your kids. Because participation is mandatory for the majority, this creates a lot of stress, so there are any number of services to keep you functioning in the hive. Spinning classes cooking classes yoga classes language classes mindfulness classes art classes music classes general interest classes how to succeed in business classes networking classes computer networking classes coding classes boating classes writing classes woodworking classes axe-throwing classes. 100k goes surprisingly fast when you're complicit in the sustenance of your fellow hive dwellers. The big problem is when everything is transactional, eventually someone is going to come along and try to take as much out of this great circuitous system while putting back as little as possible. And there are a lot of someones these days. No matter how good it is, eventually you just don't want to pay $60 for the doordash fees and the curry fees and the driver fees and the driver tip. You don't need be there. Anyone could live this life. So what do you do with 100k or so? Strive to earn 200k so you can escape faster.