By some good fortune, a great aunt (whom you never knew) turned out to be rich rich rich. Not like "my friend's parents" kind of rich, but like Jeff Bezos rich. And unfortunately she took a tumble heli-skiing and was never seen again.

She has left you 9m. Nice.

Now, you are not a particularly hard worker, but you are smart. You would like nothing more than to lounge around on the beaches of Thailand for the next 20 years and tell people that you are an anthropologist to make them think you are interesting.

So you want to know, if you took out a fixed amount from the 9m each year for the next 20 years, but left 3m in the kitty at the end to buy a house, what would your annual amount be? Let's assume that you put the 9m straight into long dated bonds that generate you 4% p.a. in compound interest.