And what part of my comment implied "covering monetary needs" does not include that?

The assumption that 1/10 of an analyst/associate in a bank will be enough to get you to retirement.

What kind of retirement do you want that $200k/year is inadequate?

You misunderstand. I'm saying that a startup salary may not be enough to support a family and save for retirement.

Oh, I thought we were talking about the specific case of 1/10 of $2m, as mentioned above (what a senior engineer at a successful startup might well earn). Of course you're right, most startups do not offer such financial security and never develop the ability to do so.