For those retiring on Visas abroad, what is your “buffer” due to visa changes? more money?

Hi,

I know some people who say live in Malaysia, but their visa keeps changing the requirements in terms of deposit. One day the deposit will be higher ans you might not be able to afford it. Or say Thailand – Its unknown if the DTV visa will remain the same , etc.

So! how do you prepare your FIRE number if your residency could be impacted due to new requirements (whether its financial or length of stay, etc)

Say you know you meed approx 1.3 million to FIRE in Malaysia for 40k at 3% SWR, do you have say another buffer of 200k USD as a backup plan/emergency cases? so it will be 45k at 3% SWR? is it even higher where you plan to have a buffer of 50k at 3% SWR?