[asdfsd234234444]

If you own your home, you don't need anywhere near 10M to live an "upper middle class" lifestyle.

[deanmoriarty]

I generally do not disagree, but that’s kind of like saying: if you already have $X, then you just need $Y - $X.

My answer is based on someone going from $0 to $Y, i.e. the most conservative interpretation.