$20m is not really that much. You can spend that buying a new nice house in LA or a new penthouse in New York. If you have a large family (say 5) and your kids are adults/studying then $20m networth is not really that much to make them live the good life. (Not that I’m saying it’s a good thing to do so).

$25m @ 10%/year (assuming your actively investing a have no real estate) can afford you a good baller life around US most expensive cities if you are single or just a couple.