Suppose I need about 2000€ per month - my rent is 500€ and my health insurance is 700€ (unfortunately). Also there might be family to support.
So to survive for a year, I would need 24K of savings. It takes several years to build that up with a normal salary.
To pay for a house or flat, most people work 30 years where I live. And that is with 50K they pay in cash in the beginning - which I don't have, as I don't have rich parents. It takes several years to save 50K with a normal salary. I haven't worked as an employee for a while, but there are taxes to be paid, social insurance, pension plans and what not (mandatory where I live). I think with 60K, maybe As a freelancer, I was up to 80K savings in about 3 years (sadly, since then severely reduced, but still).
Yes, you can live comfortably as an employee - as long as you don't lose your job for 40 years.