The amount of which 7% of it can be used to live for 1 year... for example, my living expenses for 1 year are $20,000, then I need at least $300k to be able to enjoy my financial freedom... whether it is in the form of crypto or in the form of FIAT... that way, I will be able to survive even though I fail in trying many things...
If in the form of crypto, by utilizing the 4-year cycle and the long term of BTC, then 3 BTC is an amount that I think is safe for me to hold in order to meet my living needs. With that amount I will also make some investments to get small profits every day.