My sense is Marco is looking at the money in terms of: "how much yearly income can my money generate, and what kind of lifestyle would that be?" (kind of like thinking about a retirement account). In that sense $10M in savings is not enough to start buying yachts and helicopters assuming he doesn't want to blow all the money at once like a stereotypical lottery winner.

More importantly, he makes it clear he'll never have any money worries if he's careful. That implies a decent amount of money, and I think that's what most people on Hacker News really wish they had.