How much is enough?

This question comes up in consulting more often than one might think – whether explicitly stated or implied between the lines. Sometimes it sits at the conference table in the form of a successful client who seems to have achieved everything – yet is noticeably dissatisfied. At times, it is asked directly when a business owner or manager wants to know how to get "more" from their assets. However, very often it is about more than money. It's often about comparisons with the environment.

The Illusion of Comparison

Comparisons are a deeply human behavior. They provide orientation, context, and sometimes even motivation. But: Financial comparisons are often toxic. They measure subjective well-being against objectively false standards. The consequence: Even people with a good income and solid wealth feel "inferior" when the neighbor, colleague or friend seemingly achieves more.

Economic research provides clear evidence for this. The concept of diminishing marginal utility describes very aptly what many feel in daily life but rarely reflect on: After a certain income level, additional money loses its influence on personal happiness. Studies show: At an annual income of around 100,000 euros (depending on living costs), the benefit of additional income decreases rapidly – and approaches zero.

More Money, Less Happiness?

What happens when money becomes the main driving force beyond what is necessary? A spiral of comparisons, frustration and – paradoxically – insecurity arises. For instead of providing security, a high income or wealth often only conveys a greater sense of competition and expectation. The constant question: "Is it enough?" is replaced by "Is it enough compared to X?".

It is clear: Wealth is a relative measure. A wealth of 250,000 euros feels modest or impressive depending on social context. However, those who define their self-worth by this number – and constantly compare it with others – risk living in a state of dissatisfaction permanently.

Money as a Tool, Not as a Goal

This does not mean that financial planning or building wealth is pointless – on the contrary. Clearly structuring income, expenses, reserves and investments is a prerequisite for economic stability and personal independence. But it must not become an end in itself.

A reflective approach to one’s own wealth begins with the question of "why." Why do I want more money? What do I promise myself from it – security, recognition, influence? And what of that can I perhaps achieve through other means?

In the strategic financial consulting at Webersinn Behr & Cie., we view wealth holistically: as a resource, not a status symbol. As a means to achieve life goals – not as a measure of personal success. Our experience shows: Those who internalize this attitude make better decisions. Not only financially but also emotionally.

Psychology Meets Financial Planning

The key lies in connecting two worlds: numbers and emotions. As rational as financial investments should be structured, the desires behind them are often irrational. Those who want to plan successfully in the long term should be aware of this contradiction – and work with it.

Wealth planning is therefore always about personal development as well. Those who emotionally detach from comparisons act more freely – and often more successfully.

Resilience Instead of Returns?

At this point, it may sound unusual – especially in an economically driven context like ours – but we consider it essential: True success is inner peace. This realization is not a spiritual platitude but an expression of a stable, reflective way of life.

Inner peace does not mean passivity, but clarity. The ability to stay true to oneself even when the environment becomes louder, faster and more competitive. It is perhaps the most sustainable asset of all – and not tied to numbers on a bank statement.

What does this concretely mean for you?

• Define your personal wealth threshold. Not everyone wants or needs to become a millionaire. What does financial comfort mean for you – realistically, not idealistically?

• Separate financial goals from emotional needs. An investment should be a means to achieve goals – not to compensate for personal dissatisfaction.

• Question comparisons. Choose benchmarks wisely. They help determine whether you feel "rich" or "poor."

• Think of wealth across generations. Wealth is often a snapshot. Structured succession planning, family communication, and value transmission create sustainability.

• Be honest – even with yourself. Emotional clarity is a decisive factor for economic success.

Conclusion

In a time when wealth accumulation and life happiness are often mentioned in the same breath, it is worth pausing. Financial planning is important – but it must not become a substitute religion. Those who free themselves from comparisons gain freedom. Those who recognize that true success lies not in numbers, but in inner stability make better decisions – for themselves, for their family, for life.

At Webersinn Behr & Cie., we assist you not only in optimizing your wealth structure – but also in bringing long-term clarity and inner peace into your financial decisions.