I think it has a lot to do with your personal goals and what you plan to do with the money.

For myself, i have a number, it is the number that will get my family out from all debt, mortage, cars, credit cards all paid off. Once we get past that point, the rest is gravy. Upgrade one of the cars, okay, if we can pay cash for it. My wife will always work, so insurance and monthly bills will be taken care of, and i can play in the world of crypto without hesitation once we pass that number