即便在富人眼中，財(cái)富也是一種不好把握的東西。

約5%的美國人是百萬富翁。WealthEngine估計(jì)，其中的絕大多數(shù)（約95%）擁有的財(cái)富在100萬-500萬美元之間。

而且很多人認(rèn)為這些錢遠(yuǎn)不夠花。

作家諾曼·瓦納米（Norman Vanamee）在《Town & Country》雜志上寫道：“很多人認(rèn)為，擁有這些財(cái)富，連同有形的資產(chǎn)和服務(wù)，意味著你可以有一定的資本（錢）去揮霍或承受挫折，除此之外還能享受到更多的東西?！?/p>

假設(shè)有一對40多歲富有的、無業(yè)夫婦，他們有兩個(gè)十幾歲的孩子，在紐約就讀昂貴的私立學(xué)校。這對夫婦住在第五大道的園畔公寓，收藏藝術(shù)品，乘坐私人飛機(jī)，向慈善捐款，而且擁有家庭員工，包括一名廚師、司機(jī)和管家，以及兩處度假屋。他們還為每個(gè)孩子準(zhǔn)備了2500萬美元的遺產(chǎn)。為了評估他們的“幸福成本”，瓦納米請教了相關(guān)專家。

US Trust的分析師在《Town & Country》雜志的報(bào)道中估計(jì)，這對假想的夫妻需要1.9億美元的凈財(cái)富值來維持這種生活。

以下是估算時(shí)所考慮的一些成本：

· 房產(chǎn)：第五大道面朝中央公園的公寓1800萬美元，家具和內(nèi)飾200萬美元，漢普頓周末度假屋和加勒比度假屋共計(jì)2000萬美元。

· 教育：按照這種不計(jì)成本的教育策略，每位孩子的花費(fèi)需要170萬美元，其中包括學(xué)校和課外輔導(dǎo)，音樂課，體育，國外旅行和4年的常青藤聯(lián)盟高校學(xué)費(fèi)。

· 慈善：成為紐約市博物館理事會(huì)成員每年需捐贈(zèng)2.5萬美元，此外參加年度慈善活動(dòng)還需要捐贈(zèng)1.5萬美元。

· 家庭員工：司機(jī)、廚師和管家每年需要19萬美元的費(fèi)用。

· 藝術(shù)：7-8副藝術(shù)品收藏需要花費(fèi)2000萬-1億美元，或者每年100萬美元

· 健康與美容：衣服、儀容、私教和化妝品每年花費(fèi)15萬美元。

其他專家認(rèn)為幸福成本約為1億美元。

《紐約觀察家》專欄作者理查德·科什鮑姆對《Town & Country》雜志說，億萬富翁認(rèn)為“1億美元才算是有錢的起點(diǎn)，并將其稱為‘hundy’。例如，‘哦，他們成功了，有了一億美元。’”。理查德·科什鮑姆是《這還不算富有？最富有的1%人士的生活》一書的作者。

科什鮑姆表示，這個(gè)估算并非出于自己的杜撰，而是來自于多個(gè)他曾經(jīng)采訪過的億萬富翁。WealthEngine估計(jì)，0.09%的美國億萬富翁都擁有超過1億美元的身家。

然而電視系列片《探秘超級(jí)富有人士的生活》主持人、CNBC財(cái)富編輯羅伯特·弗蘭克說，這個(gè)數(shù)字“與人們是如何賺錢和如何花錢沒有那么緊密的關(guān)聯(lián)。”

然而，有錢并不意味著無憂無慮。事實(shí)上，財(cái)富會(huì)給富得流油的人帶來有錢人專屬的新焦慮。

百萬富翁托馬斯·加勒赫（Thomas Gallaher）向《紐約時(shí)報(bào)》透露：“在某種程度上，我依然覺得自己并不是那么富有。在情感方面，我并不在乎錢，只是華爾街的一名超級(jí)幸運(yùn)兒罷了。自退休以來，我一直在應(yīng)對大量的心理問題。我從來沒有想過能夠擁有這么多財(cái)富，但我依然擔(dān)心，如果我的壽命超出了自己的預(yù)期，這些錢夠花嗎？”（財(cái)富中文網(wǎng)）

譯者：馮豐

審校：夏林

Even rich people think wealth is elusive.

About 5% of Americans are millionaires. Most of them — about 95%, according to an estimate by WealthEngine — have between $1 million and $5 million.

And many think that’s just not enough.

“Many people believe that, along with tangible assets and services, having it all means having some wiggle room — money to cover a major splurge or setback, and more on top of that,” Norman Vanamee wrote in Town & Country magazine.

Vanamee consulted experts to estimate the “happiness number” for a hypothetical, wealthy, non-working couple in their 40s with two teenage kids in an expensive private school in New York City. They live in a parkside Fifth Avenue apartment, buy art, take private jets, donate to charity, and have a household staff — a chef, a driver, and a housekeeper — plus two vacation homes. They’re also setting aside $25 million for each child to inherit.

An analyst from US Trust cited in the Town & Country report estimated the hypothetical couple would need to have a net worth of $190 million to sustain this lifestyle.

Here are some of the costs considered in the estimate:

· Real estate: $18 million apartment on Fifth Avenue facing Central Park, $2 million for furniture and decor, $20 million for a weekend home in the Hamptons and a vacation spot in the Caribbean.

· Education: $1.7 million a child for a “no-expense-spared educational strategy,” which includes private school and tutors, music lessons, sports, trips abroad, and four-year Ivy League tuition.

· Philanthropy: $25,000 annually to sit on the board of a New York City museum, plus $15,000 a table at annual charity events.

· Staff: $190,000 annually for a driver, a chef, and a housekeeper.

· Art: $20 million to $100 million apiece in a seven- or eight-piece collection, or about $1 million annually.

· Health and beauty: $150,000 annually for wardrobe, grooming, trainers, and cosmetic procedures.

Other experts peg the happiness number at about $100 million.

Billionaires “view $100 million as the starting point for real money,” Richard Kirshenbaum, the New York Observer columnist who wrote the book “Isn’t That Rich? Life Among the 1%,” told Town & Country. “They call it a hundy. Like, ‘Oh, they made it, they have a hundy.'”

Kirshenbaum says the estimate isn’t his own but came from several billionaires he has interviewed. WeathEngine estimates that 0.09% of America’s millionaires are worth more than $100 million.

But Robert Frank, the wealth editor at CNBC who hosts the TV series “Secret Lives of the Super Rich,” said the number was “l(fā)ess relevant than how you earned it and what you’re doing with it.”

Still, having money doesn’t alleviate all anxieties — in fact, it often gives way to new worriesunique to those flush with cash.

“I still feel, to some extent, that I don’t have enough money,” Thomas Gallagher, a multimillionaire, told The New York Times. “Emotionally, I don’t come from money; I got very lucky on Wall Street. I’ve been dealing with a myriad of psychological issues since I retired. I have more money than I had ever imagined, but I still worry — do I have enough, if I live longer than I thought?”