The speaker was talking to a millionaire who said he wished he had another million, which made the speaker angry. The millionaire felt that one million wasn't enough and that he needed a billion to truly live life. The speaker questioned why the millionaire couldn't just allow himself to enjoy his life with what he had. The millionaire responded by saying that there's always some problem or challenge, especially as one moves into a new tax or income bracket. The speaker reminisced about how small their problems used to be when they were younger and had limited funds.