Hmm for me I think it varies if I count mortgage as an expense since it forms the biggest part of my expenses. Excluding mortgage, and just my personal expenses, I think probably 1000 to 1500 USD a month is pretty comfortable, but of course, it varies across individuals. To make it a reality, I guess it's a combination of financial tools, be it savings, investments, or some form of passive income like dividends. For me, it's always a work in progress.