Myself, I want to "retire" early so I can start working more exclusively on what I love without having to worry when and how I can monetize my work. I'd rather have 500k in bank and complete independence than 100 millions and having to report to someone.
"Complete independence" is partially based on net wealth. If you have 100 million in the bank, you can tell your boss to buzz off, so it's a moot point.
