"Sunshine sneaks through the cracks in the curtains. The sound of birds filters into your consciousness and gently wakes you. Mmmm. Is that the smell of coffee? Get a coffee, get ready for work . . . WORK! AAAAAAAGGGGHHH! Look at the TIME! I'm LATE! The ALARM didn't . . . Oh . . . right.

You don't work anymore, remember? And you don't have to, because you have Enough. You knew how much you were aiming for, and you put away money faithfully, even though you occasionally had to deny yourself an immediate pleasure until you could afford it. Now, that money has multiplied so many times that it will provide for you for the rest of your life. So roll over and smile yourself back to sleep.

How much money do you need to enjoy that delicious moment one day? Lots of books and articles advise a flat $1 million. But if you want to maintain your penthouse in New York, the number may be more like $20 million. And if you're perfectly happy on $25,000 a year now, the figure might be $400,000.

What makes your Enough Number different is that this is a completely customized calculation for you. It takes into account how much you must spend, how much you want to spend, how much you can save and what you want to do with it. Unlike standardized calculations, your Enough Number gives you choices."

(opening of Chapter Four, How Much Is Enough?)