Key Takeaways Americans, on average, say it takes $2.3 million to count as wealthy. Other measures—including net worth, retirement savings, living without debt, and financial flexibility—are not directly related to income. A high-income earner carrying significant debt may be less financially secure than a debt-free person with a modest salary. Americans say you need $2.3 million to be wealthy and $839,000 to be "financially comfortable," according to Schwab's 2025 Modern Wealth Survey. But that n ...