My number is between $2,000,000 and $3,000,000. It’s enough to live off investment income in a 4% down market, and that’s all I will realistically need to have a comfortable life without having to touch the nest egg itself. Psychologically, there is no difference between having $10,000,000 and a billion, so it would seem to me that the upper limit of need is $10,000,000.

As soon as I hit 2-3 million I will retire, no matter how old I am.

As far as ‘life changing’ goes, I was fortunate to have a few thousand to invest when the market tanked in 2020. Those few thousand turned into $35,000, which I used to pay off my student loans and put a down payment on a condo. It wasn’t fuck you money, but definitely life changing.