I always keep a solid 69 million in my bank. No more no less. And then pocket change on my characters is used to buy potions as needed or crafting mats for my bag.
Last i checked my craft bag was worth over 300m.
If you are on PC you can get an add-on called net worth. You need to have TTC as well as it uses current TTC prices to estimate value. It will count items in your craft bag, on all toons and give you a total value for your worth. I believe it may even do furnishing but I am not into housing so not 100% sure how that works.