Hacker News Reader

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

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.

In some countries or even some parts of countries, $3m should net you a mansion and a decent amount of hedonism.

This is relative, so maybe the right answer is like 100 times the (average) amount you can live on for a year.