Of course, this isn’t how it actually seems to work - there is some truth to it for most people, but if you “overdraw” from one bucket and “neglect” another bucket, they will change sizes.
At 4 million in the bank (and various assets) you should be good to "escape," if by escape you mean "not need to sell your labor to live" anymore. 4 million gives you more than enough residuals to live off until death. Less if some of that is in property so you don't have to pay rent. Less if you retire to southeast Asia and engage in geographic arbitrage. You spent years paying for carrier groups and precision missiles, why not reap the rewards?
So far as I can judge, this is the only way the system permits escape.
If you're interested in permitless escape, one of my favorite introductions to the subject is "Walkaway" by Cory Doctorow, a wonderful amalgamation of hacker culture, anarchism, sustainability, anti capitalism, and communism. Even if you think some of those are dirty words, if you're at all interested in EV tech, 3d printing, batteries, solar, zero trust ID, or transhumanism, you'll probably enjoy that book. He basically just answers every "but what if..." you could think of for a group of hackers living in an abandoned rust belt town.
Personally I'm right now very interested in food forests and tech projects researching local supply chain production of equipment, such as https://www.opensourceecology.org/gvcs/ the global village construction set and https://simplifier.neocities.org whoever this person is that's been documenting their efforts building things like solar panels and circuit boards in their garage from raw materials for nearly the last decade.