Go to bogleheads and read for awhile - you get an amazing view into the “rich” in various stages and it’s eye-opening in a number of ways.

You find those who have saved so much they have no hope of spending it all and yet are still scared to spend. Those who spend months worrying if they can buy a new car to replace their 25 year old Camry and yet they live on social security alone while having mandatory IRA disbursements in the thousands.

Social security et al should never have been sold as “savings for the future” and just been another tax.