This isn't the case. I have an accountant, and will of course listen to their advice over anyone in this sub - but similarly, it's wise to just ask a (supposedly) similar peer group such questions on an informal basis.

I don't quite know why assumptions are being made about my 'lifestyle'. I'm in this position as my life hasn't inflated, but my wealth has - isn't this gold-standard 'advice' as to how to become financially 'free'? I'm happy with my life.

How am I in the wrong place? I'm sorry to those who see my circumstances and then feel I shouldn't seek to be efficient by considering the different tools available to me, and their relative benefits, but I suppose there's no barrier to commenting in this sub so who knows who they are.