“Enough” - A 52-year-old woman and her 58-year-old spouse have a ~$9.2M net worth (97th percentile) in a MCOL area. $7.4M liquid and $1.8M in two homes/land with current household income around $515K and a $91K pension starting for him in two years. She wants a “soft luxury” fatFIRE: about $250K per year (roughly $100K travel plus $150K living/healthcare), frequent trips, a nicer $2M home, and modest help like a part-time chef and trainer for roughly $25K/year. Even though Monte Carlo runs and her planner both say they’re more than fine even with higher spending and a big remodel, she’s still hesitating because she compares herself to $20M net-worth posters. She is feeling guilty about business-class flights, spooked by big one-off costs like a $200K renovation, and acutely aware that she may only have about a decade of truly active travel left while grinding in a less-fulfilling, long-commute job paying ~$360K with RSUs. Commenters largely tell her the money is enough; the real work now is psychological and that additional earnings likely won’t change her life, and choosing whether to trade irreplaceable “good years” for incremental net worth growth.​