I wonder what he means by that. To me it's the exact opposite. I don't want anything extravagant - none of the things one might picture when one thinks "millionaire's lifestyle"; no big house, no luxury car, no exotic vacations, etc. The only (or at least primary) thing I'd like is the security to pay my modest expenses and cover any potential emergencies in perpetuity, without relying on a job and without moving to a cheap country to reduce living expenses (I would like to stay close to my family in the US). For that, I do need a million dollars, and even that is barely enough.