I had no money in Uni. My parents were boat people with no money either.

Not long after Uni, I had 100K in my account. Comfy, no mansion, no car.

The first thing I spent more than a couple of grand on ever was dental work. Felt great to fix the crossbite.

But here's the thing. You could just be alone your whole life, no wife, no kids. I've got friend who do that, and indeed they can live on near minimum wage and be perfectly happy.

Once you decide you want a wife and kids, the budget changes. By a lot. You'll need a bigger place to live. You'll want to send the kids to private school. You'll need a bigger car.

This can easily add up to several million depending on exactly what you mean.

For the record I did go on to buy an expensive sports car. Not worth it, surprise surprise.