Definitely not even remotely in the area of "filthy rich," but I know so many people with wealth in the low 8 figures who haven't even experienced the "luxuries" of the middle class.
My parents probably have around 11-12M+.
I've never celebrated a birthday party in my youth. I thought the richest kid in our school was the kid who had his birthday party in McDonalds. I found out 10+ years later he was raised by a single mother who didn't exactly have it easy.
We've literally never been to any other country except the motherland, S. Korea, and we only went to take advantage of the health insurance during summer breaks. The first non-USA, non-Korean country I visited for vacation was China while i was in S. Korea on some absurdly cheap Korea-China trip.
We lived in the same apartment buildings as the middle class.
Things have changed a little since then. My mom, for example, has a brand new Lexus LS 430(???... seriously, she wouldn't even know her own model, that's how little we care) that was paid for in full, in cash, same with my dad's Mercedes, and they live in a 2.3M house... once again for cash.
I definitely wouldn't describe their lives as luxurious though. Besides the house and the car, their "wealth" is felt only during conversations about real estate, business, stocks, but none of this necessarily translates to a more free, luxurious life.
For example, just 2 weeks ago, my mom called, and we started talking about some random stuff. At the end, she asked if I saw the news about the new luxury apartment complex construction deal going through in the Seocho Gu area (it's Gangnam btw). Pretty big news in Korea.
We purchased a small apartment there several years back for a little under a million USD, and in 5+ years, it may be worth as much as 2.8-3.2 million.
.... and that's it. Don't get me wrong, I actually have lived most of my adult life with people whose next paycheck determined whether they had a place to stay or not, people whose entire financial plans go into disarray because of an auto or medical issue.
But, as of yet, I haven't exactly benefited per se from my parent's alleged wealth.
The occasional dinner conversation where millions of dollars gets distributed here, we could take a SBA loan out here to finance this, etc... is quite possibly the only time I recall we're somewhat wealthy. We have this conversation after I get my dad some subway.
I do appreciate that I'm likely to never be homeless, but barring that, and hopefully without sounding ungrateful, I'm not really sure I've palpably benefited from the "wealth." Virtually none of the wealth is liquid, and immediately gets invested.
I've once had my sutures break, and wrapped a saran wrap over it, because I couldn't afford an ambulance. Anything short of death, I've been conditioned to not call the SOS button.