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I understand that too. Someone might have a lifestyle that $10K pa is enough to survice. Maybe someone on acreage with PV systems, water tanks, grow their own vegies and run their own livestock completely off the land, so they have little need to spend money on consuder items. But...

Does it matter? The term "millionaire" is something that the 96% of people aspire to by buying their $50 of lotto 5 days a week and $30 of scratchies each week and then wonder why they have no money. The average person might win the big one and blow that money on trinkets and maybe end up...