The author proposes a formal model of subject, so-called four resources model. Proposing the model of «double refleсtion» the author demonstrates that self-refleсtion is able to increase the stimulus attraction and describes hypothetic conditions of inevitability of actions towards temptation determined by self-refleсtion and stimulus’ primary valence. The criteria for optimum of psychological well-being («I want something that I don’t have» and «I will have something I want») are formulated and quantitatively specified. Hereof  follows “the golden rule of harmony”  in interrelations of level of subject’s claims (0.62) and level of requested external resources (0.38) («golden proportion»: 0.62 + (0.62)² = 0.62 + 0.38 = 1). The model of optimum of psychological well-being is validated by the author’s own studies as well as by means of interpretation of empirical data obtained by other investigators in studies of achievement motivation (the revision of J.W. Atkinson’s classic model of risk taking).