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$10k+ MRR (actually monthly recurring take home) with little to no work on my part (ie: 4hrs/wk ish)

It's much more likely than me magically getting $5mm+, so I'm going to go with that.

Ya, that would work. I'd just worry whatever gravy train generated that would fail after 3-5 years.

Exactly. You have to figure out how long that gravy train needs to last in order to reach financial independence.