I'm sure people who have worked at FAANG for 20 years aren't starving in the streets, but you don't know enough about their financial situation to predict whether they are "unreasonably wealthy." How much of their salary went straight in to their landlord's pockets? Towards student loan interest? Towards health issues, childcare, or taking care of extended family members? Maybe they tried investing and lost money. Heck, maybe they just prioritized travel over saving money, or something. You can't just assume someone has F-you money just because they worked for 20 years.