How much is Enough?
Let’s be honest—whether someone has $1 million or $10 million tucked away, there’s one question we hear more than any other:
“Do I have enough?”
It’s the big one. The question that keeps people up at night, lingers in the back of their minds during vacations, and creeps up every time the stock market dips. It’s simple, but it’s loaded with emotion.
So, let’s talk about it.
What Does “Enough” Even Mean?
It’s not just a number. It’s peace of mind. It’s freedom. It’s the ability to make choices without fear.
“Enough” isn’t just about covering expenses. It’s about knowing you can live the life you want—without constantly looking over your shoulder.
For some, that means being able to travel. For others, it’s leaving a legacy or supporting family. For most? It’s just knowing they won’t run out.
Why “Enough” Looks Different for Everyone
Here’s a fun fact: we’ve met people who felt secure with $750,000... and others who still worried with $7 million.
Why? Because enough depends on:
Your lifestyle and spending habits
Your health and longevity
Your values and goals
Your fear tolerance (yes, that’s a real thing)
And how well you’ve planned
The Problem with Trying to Guess
Many people try to ballpark it:
“If I take 4% of my savings a year, I’ll be fine, right?”
Or:
“If I just work five more years, I’ll feel safe.”
But without a real plan, you’re just guessing. And guessing breeds anxiety.
A Better Way: Turning “Do I Have Enough?” Into a Real Answer
This is what we help people figure out every day at PAM. It’s part math, part strategy, part coaching. We look at:
Your assets and income sources
Your spending now (and in the future)
Health care and long-term care needs
Taxes and inflation
Big life goals (helping kids, buying a second home, giving back)
And a few “what-if” scenarios, just in case
Then we build a living plan that evolves as your life does.
Because what you want today might shift 10 years from now—and your financial life should shift with it.
Here’s What “Enough” Feels Like
You know your monthly spending is covered.
You don’t panic when the market dips.
You say yes to the things that matter most.
You stop comparing yourself to others.
You finally feel like you can enjoy what you’ve built.
That’s what we’re after.
Final Thought
If you’ve ever asked yourself, “Do I have enough to live on?”—that’s not a sign of weakness. It’s a sign that you care. It means you want to be thoughtful, prepared, and free.
Let’s get you to a place where the answer is a confident yes—because of smart planning, not blind hope.
We can help you answer the question, once and for all.
Schedule a conversation with PAM today. The peace of mind is worth it.