Lifestyle is the only real issue past a few million, particularly if you own your home (and at 10m you certainly would). Beyond that its all status oriented which is where the "should be enough" bit comes in; if its status your after then theres never really enough.
after few million you start securing the retirement and few decades. like what if you live up to 100 or more? Anything below $3million means no retirement now or money has chance to be all spent in next 2-3 decades. After $10Million it's all enough
3 million invested means you can withdraw $100000 annual income with virtually no risk of ever going broke. That is financial independence. $10MM is way too high a bar.
