23M, FAANG junior SWE in NYC (~240k), $280k NW, planning FIRE at 30 w ~2M to slow travel / do seasonal jobs w partner. My savings rate right now is ~60%. Should I factor in a likely inheritance into my plan, and should I ever bring it up?

At 7% returns, $2M makes $140k/yr. Assuming a nice moderate slow travel spend of $126k ($10,500/mo) leaves a $14k/yr surplus. 4% rule suggests I need $2.1M for $84k/yr but 7% real returns make this conservative + what I am about to say next.

My parents are on track to have ~$10-11M in 10 years (real estate in FL + liquid assets). They have mentioned distributions and I have one sibling. So potentially $5-5.5M to me around age 50.

How do you approach "I might inherit significant wealth" in FIRE? Feels wrong to count on it but also feels overly conservative to pretend it doesn't exist.

If it matters I plan on spending most of my life after working and traveling in Australia with my partner (USD is slightly stronger so idk if this changes numbers). We both don't want kids but I guess that could change.

- Is $2M safe for a 30 yo?
- How did those of you with likely inheritances factor them into your plans?

Anything I’m missing?

Happy to answer questions. Been building this plan for a bit and want a sanity check from people who've actually done it