Charles Schwab's 2025 Modern Wealth Survey has pinpointed the precise figure needed to be considered wealthy in the U.S. Quick, run and check your accounts to see if you have it: $2.3 million. That's down from last year's survey, which put the wealth tipping point at $2.5 million. The 2025 survey also found that to be "financially comfortable," respondents said you need to have $839,000 tucked away. Broken down by age, Gen Z had a lower threshold for wealth and comfort. On the other end of the spectrum, only 20% of Boomers believed that they were or ever would be in the wealthy category.