> Seriously. If your "worst case scenario" is still "I could retire comfortably tomorrow without any hardship"...

Yeah. A long while back, I was talking to the guy who ran a Subway-branded sandwich shop that I frequented, and had been running it for quite a long while. He was complaining to me how absolutely terribly the business was doing... how he'd lost something like 150K last year and this year was shaping up to be at least as bad.

And, like, on the one hand that's a quite a lot of money for an individual to lose. On the other hand I -at the time- would have been immediately tossed out on the street if I lost even a quarter of that amount in a year. Him? He kept the business open, bleeding money for a couple more years before he shut it down to go do something else. He was unhappy about the change in plans, but very clearly not financially threatened by the losses over the previous years.

A monetary loss that would ruin one person might not even be worth bothering to account for to another. The surrounding context always matters.