Here are some interesting thoughts from Stop Acting Rich: ...And Start Living Like A Real Millionaire on how to determine whether or not your net worth is as high as it should be: Simply stated, your net worth [augmented -- assets minus liabilities] should equal 10 percent of your age times your annual realized household income (0.10 x age x income = expected net worth.) If your actual net worth is above this expected figure, I consider you affluent, given your age and income characteristics. Using this measure, I qualify as affluent. Not that it does much for me... In the past, we've had discussions about a similar formula (maybe the same as the one he used in his first book?) and many people thought it discriminated against younger people. For instance, someone who's 22, just out of college with $30k in debt, and who recently took a job making $40k per year needs to have a net worth of $88k to be considered affluent. This level is very hard to reach without at least a few (if not more) years of working and saving. So when is the formula accurate? After all, it tries to take into account both age and salary (the two issues that are the problem here.) Is it valid once people get to 30? 35? 40? Or maybe there's another/better way to keep score. Or maybe it doesn't really matter if you're "affluent" or not. What good does it do you anyway to know this? What are your thoughts on this issue? And are you considered affluent using the author's formula? 
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