Even 7 zeros is pretty much you can do what you want anytime you want. Ten million dollars sitting in a bank account earning 3% is 25k a month and nobody with those kinds of assets is leaving them in a bank account earning 3%.
3% is considered a "safe withdrawal rate" for stock investments, not so much if you have the money just sitting in a bank account, but you're right nevertheless. You can do whatever you want with that kind of money.
