At a poker game recently, I heard one of the saddest things I've encountered in a while: “$10 million is not enough to retire early.” Mind you, we were all sitting in San Francisco, an expensive city, but also one of the cheapest international cities in the world. So I get it, context matters. But I couldn't shake how genuinely depressing that statement was. Nobody at the nine-person table disagreed. Only one person even questioned it before I stepped in and said what apparently needed to be said: $10 million is absolutely enough to retire early. What struck me even more was that I'm fairly certain the majority of people at that table weren't worth anywhere close to $10 million. Which made the whole thing sadder. Can you imagine being 200 feet underwater, lungs burning, kicking and clawing your way to the surface, finally breaking through into beautiful fresh air, and then declaring it still isn't enough? That's a tragedy. People Throw Out Big Numbers Without Doing The Math Here's what I think is happening.…