What is fuckyou money at this point? Take the Mega Millions lottery jackpot, it's default is $20 million nominal. You get cash payout instead of annuity, now it's about $10 million. Maybe you live in a state without income tax (I do), but the feds get their cut, now it's $5 millionish. You look for a nicer house (been living in an apartment)... and, since you don't want to lose it to property tax arrears all that quickly, you budget for that too for the next 20 years. How much house can you afford? Turns out, you're getting at most some upper middle class home in a second class city. Maybe with a nice car in the garage too. No live-in maids and chefs, no 40,000sqft mansions with indoor Olympic swimming pools and gold-plated toilets.
Hardly seems like fuckyou money at all. I think while we weren't looking, inflation snuck in and changed what fuckyou money actually was. You basically need to not just be a multimillionaire anymore, but a sub-billionaire.