I’m in my mid 40s, married with three kids (teenagers and one in his twenties) and we’re right in the middle of middle class.

$100K I could pay off both our cars, and put a nice down payment on a house and enjoy a lower cost mortgage.

$500K I could buy and furnish a house, no more rent or mortgage (but still taxes, which are pretty reasonable where I live).

$1 Million same, but a nice nest egg for the future and help my kids get set up.

$2 Million or more I could seriously consider retirement.

$5 Million or more, I’m definitely retiring.