在美国，净资产达到这一水平才能算有钱人

Core Insights - The perception of wealth among Americans has shifted, with an average of $2.3 million now considered necessary to be deemed wealthy, reflecting a significant increase from previous years [1][4] - The financial landscape has changed, with many millionaires including their homes in asset calculations, leading to a lower amount of investable assets [2][4] - Different generations have varying definitions of wealth, with younger generations setting lower thresholds compared to older generations [5][6] Group 1 - A survey by Charles Schwab indicates that the average amount Americans believe is needed to be considered wealthy is $2.3 million, down from $2.5 million last year but up 21% from $1.9 million in 2021 [1] - 63% of respondents feel that more money is required to be considered wealthy compared to the previous year, citing inflation and economic conditions as contributing factors [1] - The founder of Solomon Financial notes that many millionaires include their homes in their asset calculations, which often results in lower investable assets [2] Group 2 - The survey reveals generational differences in wealth perception, with Gen Z defining wealth at $1.7 million and financial comfort at $329,000, while Baby Boomers set the threshold at $2.8 million [5][6] - Experts suggest that older generations view wealth through the lens of security, focusing on real estate and retirement assets, while younger generations prioritize lifestyle and experiences [5][6] - The pessimism among younger generations regarding home ownership is noted as a significant factor affecting their wealth perception, as home ownership has historically been a primary means of wealth accumulation in the U.S. [6]