Would you like to live frugally for those 20 years though? One could assume that you'd get bored of doing absolutely nothing after a while, so you'd end up working anyway, even if just to raise your living standards. People generally hate boredom. You may even be more willing to start your own venture since you're not risking extreme poverty if it doesn't pan out.
Definitely. I'm not arguing with that. But there's a difference between going frugal because you have to, and because you want to. BI is about getting rid of the first while maintaining the second.
