Most people start by listing the superficial trappings of living well - homes, cars, trips. But when people are allowed to think further, they realize they want those things with good friends, or good family relationships.

No matter how much money you have, there is a risk of social comparison. It can cause people with money to do less than they could.

Michael Liersch, head of advice and growth strategies at Wells Fargo Private Bank, points out three questions to ask: