I got the letter in the mail - it included amounts in the brokerage accounts. So one can easily get 5-6 family members covered
10k x4-5 is 40-50k amonth - that is enough spend to do for most
I think if one can continue 40k a month = 500k a year = 4% of that is 20k tax free
You can always use BofA as the gold standard = .2.6% = 13k = this is 7k extra for each year with minimal effort