Thanks, $5 million is a number that I have heard from other retirees too. I suppose if one can earn 5% investment return, then $250k per annum will be a comfortable amount to live a "upper middle class life style" as you mentioned. Unfortunately, my investment return averaged 3% to 4% for the past decade and so I will need a larger capital amount to generate the $250k a year passive income stream. You were smart enough to invest in multiple investment properties early on while I have been patiently waiting for property prices to come down since 2010 and holding on to too much cash, which dragged down the return of my portfolio.