"If I keep going and working hard, hopefully I can have a nice little retirement bundle.
"The $1 million mark, it's great, but I definitely don't have enough now to settle down. I have enough to cover my expenses next year and a little bit on the side to live off for a year or two if I wanted to. We are not talking about big money here."
Erakovic has had a good year, jumping to a career-high ranking of 39 in May, playing in her second WTA final, winning two WTA doubles events and banking US$315,228 in prize money.
But it was also littered with disappointments. She was hampered by a handful of niggly injuries, continued to struggle at Grand Slam events - she has not gone past the second round since 2008 - and was bundled out of the Olympics in the first round after an embarrassing 6-2, 6-1 defeat to Aleksandra Wozniak.
It's why she looks back on the year with mixed emotions.
"People tell me what a great year I had," she said. "I go, 'Really? It was all right'. I felt as though it didn't run as smoothly as I wanted. I had a few hiccups, a few injuries here and there.
"But if that still gets me into the Grand Slams and I can improve, then I can do a lot better."
Her ranking remained steady, settling in at 67 after starting the year at 61.
It means she gains direct entry to the ASB Classic for the second time rather than relying on a wildcard and she has the potential to go deep into the tournament.
The field is headed by world No4 Agnieszka Radwanska and features six players inside the world's top 30, including Julia Goerges (No18), Yanina Wickmayer (23) and defending champion Zheng Jie (26).
The return of Zheng is significant. There were fears the ASB Classic would suffer from the emergence of the US$500,000 Shenzhen tournament in China in the same week as Auckland along with the US$1 million event in Brisbane.
But the cutoff for direct entries is 78 - this year it was 71 - putting the quality of the field second internationally for tournaments at the US$235,000 level.
There are three former world No2s (Radwanska, Svetlana Kuznetsova and Vera Zvonareva), a two-time Grand Slam winner (Kuznetsova) and two former ASB Classic champions (Wickmayer and Zheng).