anything above 1 million sats needs a good reason for not being on-chain IMO

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I would say half a months income.

It's always relative to Bitcoin price and your level of wealth ๐Ÿ˜Š

I believe 1 to 10 million sats would cover most people's monthly expenses. As Bitcoin keeps moving up, 1 million sats will be a solid sum. Of course, itโ€™s not there yet.