[hoaw]

That only makes sense if you imagine living an entirely different life. What most people need is $1 million in addition to their future normal income. That gives you the opportunities for safety, career advancement and quality of life that you need to have a good version of the life most people are living.

Of course if you don't expect to invest, work or advance everything is going to be have to paid for up front and you will need a lot of money. But that isn't realistic for most people. It is very expensive to be a poor millionaire, but relatively cheap to be modestly wealthy.