I’ve been self-employed many years so my final pay retirement pay is approximately zero. All in all I will probably just touch the 65k limit, but that’s before tax. 20% is taken by the gods of the treasury dept.
However, while being self-employed I saved enough money to live off. The 800k method suits me just fine.
Too bad. Just write it off and tell your spouse it’s a guarantee for her after you die. She’ll love you more and will worry a bit less about her future.
I’ll just put 1M in the bank and consider this my access fee for staying and living in Thailand.