[er35826]

The gp isn't using the same definition of 'rich enough'. You're inferring that rich enough comment to mean "rich enough to live comfortably on and afford the things I need/want".

Instead the gp is talking about a threshold of "rich enough" where you can roll your money into these GRATs and other investment vehicles. It requires a far greater level of wealth, because you're living on the returns from investments and financial objects entirely, and in order for those returns to be enough to live on, you need a much bigger chunk of money than 150k a year.