If I ever win big, like multi-millions in the lottery, my plan is simple:

💰 Live off the income from my assets (dividends, bond coupons, rental income from REITs or SCPI), and never touch the principal.

Some people say that’s irrational that I should just sell a small part of my portfolio each year. That it’s more “efficient” on paper.

But here’s the thing:

• I don’t want to stress about timing the markets.
• I don’t want to sell during a crash just to pay for groceries.
• I want peace of mind knowing that my money is working, and I’m just living off the fruit, not cutting down the tree.

Let’s say I win 5 million euros or dollars.

If I invest it wisely and generate an average 4% yield, that’s €200,000 per year, or over €16,000 per month  all without touching the original pot. That’s more than enough to live very well, even after taxes

Yes, maybe it’s a “behavioral bias”. But honestly? I’d rather sleep well than optimize every decimal.

I want to build a life where I’m financially free and protected from panic-selling during downturns.

🧠 What about you? Would you prefer to live off the income, or sell assets gradually over time?