Air and Money

Amar Pandit , CFA , CFP

We need air to breathe.

But do we need all the air in the world? Do we need unlimited air? Do we need to hoard it, fearing that one day it might run out?

No.

We just need enough. Enough to breathe. Enough to live. Enough to function well.

Now, think about this in the context of money.

We need money to live. We need it to provide for our families, to enjoy experiences, to feel secure. But do we need all the money in the world? Do we need infinite wealth to feel happy, free, or at peace?

I don’t think so.

Yet, for many, the pursuit of more never stops.

More money. More assets. More wealth.

Not because they truly need it, but because they haven’t stopped to ask the most important question: How much is enough?

Enough is a powerful word. It gives you clarity. It helps you focus on what truly matters. But in a world obsessed with accumulation, the idea of “enough” seems foreign.

For many, the goal is simple: more.

But more is not a destination. More is a moving target. It never ends. No matter how much you have, there will always be someone who has more. There will always be a new goal, a new milestone, a new reason to keep chasing.

Money is a tool. A means to an end. It is not the end.

Yet, when money becomes the only thing, when accumulation becomes the goal, you don’t gain freedom—you become a prisoner.

A lot of people say that money brings freedom.

Does it really?

Money gives you choices. It gives you security. It gives you comfort. But does more money always mean more freedom?

Or does it sometimes mean more stress? More expectations? More pressure?

When money is the goal, you never stop playing the game. You never slow down. You never get to enjoy what you’ve built because you’re too busy building more.

So, how much is enough?

And more importantly, do you even know what to do with your money?

For many, the goal is simply to accumulate. They spend their lives working, investing, and saving. But when the time comes to actually use the money, they hesitate. They worry. They hold back.

Why?

Because they’ve spent so much time focused on growing wealth that they’ve never truly thought about how to use it.

Money is meant to be used.

Not wasted. Not spent recklessly. But used.

Used to buy time. Used to create experiences. Used to help others. Used to build a life that feels meaningful.

Yet, many people struggle with this idea.

They are trapped by their wealth. Afraid to touch it. Afraid to spend it. Afraid to do the very thing they worked so hard for—live.

And then, there’s the other side.

The people who chase endlessly. Who sacrifice everything—time, relationships, health—just to get more.

For what?

For numbers on a screen? For a sense of security that never fully arrives?

Money is important. No one is saying it isn’t.

But the moment money becomes everything, it becomes a cage.

You are no longer in control of your money. Your money is in control of you.

So, again, how much is enough?

Enough is different for everyone.

Enough is personal.

But the only way to find your “enough” is to ask yourself the right questions.

  1. What do you want from life?
  2. What experiences matter most to you?
  3. What kind of security do you need to feel at peace?

When you start with those answers, you can work backwards. You can design your financial life around your real needs, not society’s expectations.

Because if you don’t define what enough means to you, the world will define it for you.

And the world will always tell you that you need more.

The real question isn’t whether you have enough money.

The real question is whether you have enough life.

Money is a great servant, but a terrible master.

Use it wisely. Know when enough is enough. And never forget why you wanted money in the first place.