Security isn’t a salary. It’s your income minus the fears that make you overspend. Name the fear, price it, keep the daylight for choices you can actually make.

The thought behind it

The maths was always available. The line simply refuses to leave the second number off the page. Under Money Mind the number is never the subject; the decision that produced it is. Everything hinges on “16”, which is the part a politer version of this sentence would have left out.