Feeling Financially Comfortable Now Takes More Money, According to 2025 Schwab Survey
- Said Israilov
- Jul 14
- 3 min read
Updated: Jul 29
Americans believe it takes more than $800k to be financially
comfortable
What it takes to be considered wealthy drops slightly compared to last year, though on par with five-year trend
Most Americans are feeling the impact of the current economic conditions and say it takes as much or more money to be wealthy
When asked what it means to be wealthy, Americans place equal value on happiness as they do the amount of money they have
Eight in ten Americans feel wealthy when it comes to the quality of their relationships, their happiness, and free time they have
Compared with other generations, Gen Z sets lower thresholds for what it takes to be wealthy and financially comfortable
A third of Americans think they are either on track or already wealthy, especially younger people
Younger Americans are also more likely to think they are financially comfortable or on track to be
Younger people are the most likely to have documented their financial goals in a formal plan
Americans who are saving, investing, and have a financial plan are more optimistic about their wealth status or ability to reach wealth
Demographic Snapshot
About the survey
The online survey was conducted by Logica Research from April 24, 2025, to May 23, 2025, among a national sample of 2,000 Americans aged 21 to 75. An additional 200 Gen Z, 300 HNW, and 200 current crypto investors completed the study. Quotas were set to balance the national sample on key demographic variables.
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