This is... not quite true. Most people can retire off of 2 million USD in a major city. Spend the first million on your house and you live off of the 6-8% ROI

This is... not quite true. Most people can retire off of 2 million USD in a major city. Spend the first million on your house and you live off of the 6-8% ROI for the second million. Even if your living expenses is over 100k/yr, you can comfortably retire after 4 million USD in most areas of the world (House + worst case scenario 4% ROI off of 3 million). Most people with over $4m in assets do not retire because they find value in earning money, not because they can't. If you're an L5 at Amazon making 330k/yr, saving around 100k/yr after taxes and expenses, you can retire around 15ish years assuming you don't inherit or luck into a high growth asset.