A recent Bloomberg study estimates there are roughly 24 million millionaires in America, but a million dollars doesn’t hold the same value as it used to. For most families, the goal has never been extreme wealth. It is stability, the confidence that bills are covered, the future feels manageable, and progress is moving in the right direction.

A recent study from Aflac finds the average American family needs an additional $70,000 in income to feel financially secure, in the wake of inflation and cost-of-living increases. Most families want the same things: a sense of security, fewer financial surprises, and the quiet reassurance that daily life is stable and moving in the right direction. They want confidence that bills are handled and the future feels manageable.