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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]You are not rich. It’s all relative though. A $1.8 million house is middle class in my area. [/quote]

That's not middle class. Grow up and understand what middle class is.[/quote]

It's upper middle, so? It's still not rich.  She can't live off this money not to mention live well.  Money in your house equity (where you have to live) and in your retirement accounts is not accessible without penalties.

You can FIRE with less NW than OP, sure, but this means sacrifices and scrimping on lifestyle usually, esp. in HCOLA. 
BUT
There is a point where there is enough wealth to have a nice home and even a second home, retirement savings and also have investment vehicles returning income you can live on, so that you do not rely on working. People can argue all day long how you can be working with 20 mil and have all of it buried in primary/second home and retirement accounts and I don't think it's quite realistic.  Once you exceed a threshold of what a nice home in a good area costs you will not be likely upgrading endlessly to gobble up all your growing wealth (unless you are extremely stupid or won a lottery).  Someone with 20 mil NW isn't going to buy 10-15 mil in RE to occupy themselves and have insane 401K, right? think. At some point your wealth spills into the active income producing investments and when it happens then you are truly financially independent but also comfortable and live well and can call yourself rich.

[/quote]

A 2 million dollar house is upper class.[/quote]

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