 So here's the thing. There's a new study done by Bankrate just to find out what people are thinking. And they say it came up with a number, on average, $187,000, which makes you feel comfortable. Just 6% of Americans who have an idea of what they need to earn to feel secure say they're already earning the annual income that they need, that according to Bankrate. So only 6% feel as though they have enough money.