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You want to think those who have $ 1 million will be set for life. Most do not agree.
USA TODAY

Does having $ 1 million make you happy? For most people, not enough. [13] 13% of Americans with at least $ 1 million property that may be thought to be rich, according to a new survey from Ameriprise Financial provided exclusively to USA TODAY. Six out of 10 indicates themselves as middle of the middle class, while one part is identified as middle class.

Most millionaires that are not rich are between $ 1 million and $ 5 million in investable assets, including cash checking or savings accounts, stocks, bonds, mutual funds, and currencies retirement plan. Five percent have more than $ 5 million in assets.

"Why this will be the reason for those who have come to some financial success?" says Marcy Keckler, vice president of Ameriprise's financial advice approach.

(Photo: Getty Images)

The fear of running retirement money and their hopes for their own savings – instead of Social Security and pension funded by the employer during their golden years – make it even harder for even well-positioned Americans to feel rich in finance, he says.

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All millionaires, no matter how they feel about their financial position, share the same top financial priorities: To save for retirement and protect their accumulated wealth.

"If people rely on a nest egg accumulated for those who are part of their retirement retirement, the number can not feel great," he says. "There is also a tax bill on your 401 (k) and IRA out there looming for you. "

Who feels?

Millionaires who feel higher classes or less are half likely to become self-employed or a contractor than rich people – 7% vs. 16%. A smaller part (39%) completed the graduate school compared to their "rich-feeling" counterparts (48%), according to the survey.

Twenty-million-million-million-million-million-dollar workers do not feel rich in the balance of work balance compared to their counterparts who feel rich – 21% to 10%. But larger distributors of rich-feeling Americans preferred work with goals and meaningful in society – 19% vs. 9%.

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One reason why some millionaires may feel good about their finances and others feel they are lacking in a careful planning, says Keckler, whose company, Ameriprise Financial, of course, provides financial advise and investment services.

Seven out of 10 of the wealthy have detailed financial plans, compared to only 55% for those who feel higher middle class or lower.

Ameriprise Financial Modern Money surveyed over 3,000 American ages 30-69 with at least $ 100,000 in investable assets. Equity in homes or other properties such as jewelry or artworks is not counted.

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