Group 1 - The core idea is that having a substantial amount of savings, such as ten million, does not guarantee financial freedom or a carefree retirement, as various factors can lead to financial anxiety and depletion of savings [1][2][4][10] - Inflation and unexpected expenses can significantly erode the purchasing power of savings, making it crucial to consider ongoing costs and potential financial pitfalls [2][4] - Health issues and unforeseen events can rapidly deplete savings, highlighting the importance of planning for medical expenses and emergencies [4][8] Group 2 - True financial freedom is characterized by a stable and continuous cash flow rather than merely possessing a large sum of money [8][10] - Diversified investment strategies, such as real estate and stable funds, can provide consistent returns and reduce reliance on traditional employment [8][10] - Having substantial savings offers greater risk resilience and the ability to make choices, but it does not equate to complete retirement or disengagement from work [9][10]