What is the real weight of wealth?

If this past year has showcased anything, it’s to expect the unexpected. That’s easy for us to say, but what does that mean in reality?

For many, uncertainty isn’t just about adapting to changes but about managing the weight of responsibility that comes with it. The uncertainty extends far beyond market volatility, tariff changes, or pending deals. Their concern focuses on what the outcome could mean for their family, or even their business’s future. The assumption that money brings certainty, or even happiness, is perhaps one of the greatest misconceptions about wealth. In reality, it often amplifies the fear of getting things wrong. These are the conversations we’re having more and more.

We recently undertook a survey that highlighted a view that is often misunderstood: wealth doesn’t solve life’s fundamental challenges – it transforms them into something entirely different, and often more complex. Nearly all of those who completed the survey (91%) grapple with emotional challenges directly tied to their financial position. This goes beyond ‘champagne problems’; it’s about the genuine psychological burden of responsibility that accompanies wealth.

The misunderstood reality

Almost a third of wealthy people believe that the media portrays them as selfish and excessive. This perception misses the profound sense of duty many feel toward employees, family members, and their communities. We see this regularly, whether it’s an entrepreneur worried about potential redundancies, property developers who feel the pressure of house prices and interest rates, or hard-working career professionals who question whether their success comes at a cost to their family relationships. What’s striking is the isolation that wealth can bring.

This pressure is a particularly stark reality for wealthy women, according to a third of wealthy people, with balancing work and personal life emerging as their primary challenge. This isn’t just about time management, it’s about the expectation that regardless of their financial success, they often feel more responsible for others’ financial security, a burden that seems to intensify rather than diminish with wealth.

Three-quarters of our respondents also believe that the amount at which you are considered wealthy has risen significantly in just two years, with 81% now placing true wealth at £3 million plus. This isn’t just a result of inflation, but a reminder that as assets grow, so does the stress and anxiety about how much is ‘enough’ to support those around them both now and in the future.

A third are also now prioritising long-term family security over short-term gains. This is a notable shift in thinking towards legacy building and the impact they can have on those around them. Conversations that were once focused on market performance are increasingly moving towards philanthropy and community investment, with many now wanting to include these plans within their wealth strategy.

The emotional economics of money

The relationship between wealth and happiness is complex. While financial security can alleviate certain stresses, it can also contribute to entirely new ones and be overshadowed by the weight of responsibility it brings.

So, what is the real weight of wealth? It’s not just the responsibility of managing money, it’s carrying the hopes and security of everyone who depends on you. It’s the pressure of making decisions that affect not just your future, but theirs too.

Your wealth strategy isn’t just about growing your wealth over time, although it undoubtedly matters. It’s about having a plan in place that can help you navigate this weight, giving you intention, direction and purpose. It’s about creating a plan that supports not just your financial goals but acknowledges the emotional burden that comes with them. In doing so, you’re sharing the weight of the pressure you’re carrying, giving you the comfort that your wealth is being managed with your biggest concerns in mind. As the old saying goes, a problem shared is a problem halved.

This article is based on research conducted in April-May 2025, among 600 individuals with investable assets of £1.5m+ or a total net worth of £15m+, primarily residing in the UK, Isle of Man, and Jersey.