Comment by saulpw

Affording a lifestyle is largely about stability of housing costs. If you don't have at least $30k, you can't afford a house, and thus are subject to the whims of your landlord and the rental market. If you have $30k-$300k, you either just bought a house or are looking to buy one (somewhere...). If you have $300k-$3m assets you probably have already owned a house for 10 years and have substantially lower housing costs, so you can coast at your current lifestyle. If you have $3m (including a house) you can retire.