“Threshold Anxiety” - A dual-income IT couple (52M, 47F) with $5.5M NW (96th percentile based upon their age group): paid-off $1M primary home, $1M in investment property (cash flow $40K), $2.3M in 401k/brokerage, $550K in stocks, cash and college funds. After a layoff, the wife wonders if she can retire now, manage rentals, and not stress over finding a job but husband wants to keep working until their youngest finishes college. Their biggest fear? Living on a single income for the first time ever, health insurance, and whether $4.5M (excluding home) is “enough” for $15-20K/month living, including three big vacations per year.