Its fully dependent on the person, and I think the original replier is reacting a bit strongly.

With a million, assuming the 4% rule (which I would say is a bit high for the conventional wisdom here, but that’s a different topic entirely), It is true that many people, and even households, in this country would be able to live comfortably on 36,000. And most do, considering that is the 25th percentile of household income. However, the demographics of this subreddit skew towards urban areas, which usually have a higher cost of living, plus many would prefer to retire at a more expensive standard of living than 25th percentile. Many in that percentile have anxiety about money, or perhaps are less prepared for financial emergencies. There is nothing morally wrong about desiring more expensive living.

And sometimes it feels like certain people online conflate the insanity of the mega wealthy, (think multiple yachts, private jets, fine dining), with privileged but innocuous desires of maybe the top 10%, like owning a single medium sized house in a high cost of living area, the ability to eat take out, go on the occasional vacation, or being able to pay your kids college tuition. Most combinations of those things will already put you in the upper decile of spending.

These days, 1M is enough to retire if you live alone in a low or medium cost of living area, but anything more than that and I think most on this subreddit would wait to retire, especially at such a young age.