It was easier, in a way, being poor (and, later, homeless). Everything was off limits, so I didn't need to waste any thought on it.
There is one silver lining, though. We can do things for our kids that my parents could not do for me, like pay for martial arts lessons, musical instruments, movies and new clothes. Nothing gives me greater pleasure.
-Michael Caine
Obviously anecdotes mean little, but I can definitely think of examples from my own life of those who enjoy a sense of pride in _not_ having to spend money to increase their own happiness (or not spend as much as they perceive others find necessary).
My own parents, for example, have much happiness and not a huge amount of money. And I don't honestly think that having it would really make them that much happier.
I can tell you that money can't buy you happiness. Money doesn't even buy a sense of security. Your attitudes about money can make or break your happiness.
Example: If you are in the Sustenance Driven mindset defined by Abraham Maslow, you will always be motivated by "getting enough" and "keeping it" - even if you have a comfortable middle class lifestyle, you will be kept awake at night, afraid you will lose it. While most descriptions you find online will equate the feeling of Sustenance with actual Sustenance, you can hold this mindset no matter how much you have.
My (divorced) parents, no matter their earnings, were always in that category.
I was, too, until I actually did lose it all - I got scammed out of 2 months of work, had my car stolen, got mono, couldn't work for months, lost all my other clients, came within a hairs' breadth of being sued by one of them... if not for some guy I was only casually friends with on IRC, who up and gave me my rent one month, I would have been evicted and homeless.
Then I realized: it sucked, but I didn't die, and I recovered, got a job, bought a car, paid off that angry client, paid off my credit card debt.
Now I know exactly what money is worth to me.
That's why I quit a job where I could have stayed forever, never been fired, and got profit sharing that increased every month - by the time I quit, it was already equal to an additional pay check a month, and I was earning over $150,000 a year. Because I was unhappy there and knew what money was worth to me, and it wasn't worth that unhappiness.
So, there you go. Money can't buy you happiness. It can't even buy you the feeling of security, it can't even make you free from worry, because you can have lots of money and still feel insecure and worry about losing it all. It is, literally, all in your head.
if you didn't save money, well.............
And look! I didn't starve!
I trust more in my capabilities than in my liquid assets. That's the whole thrust of my above argument.
I won't be really happy with my bankroll until it breaks 6 figures in super conservative investments, that way I know if things go to shit, I'm good for a few years
like I mean if you were making 150K you were probably banking like ~10K a month? if your cost of living was a reasonable like 3K a month, then you still were banking 7K a month, imho 4-6 more months of that would have been a solid choice, the utility of 50K is WAY different than the utility of 15K
these guys have usually underestimated my check (given that my taxes have been weird) and you're close to 7500 even in cali which has massive taxes
Your Pay Check Results
Monthly Gross Pay $12,500.00
Federal Withholding $2,842.77
Social Security $775.00
Medicare $181.25
California $1,073.22
CA SDI $137.50
Net Pay $7,490.26
Your Pay Check Results Bi-weekly Gross Pay
$5,769.23 Federal Withholding
$1,351.36 Social Security
$357.69 Medicare
$83.65 California
$491.19 CA SDI
$63.46
Net Pay
$3,421.88
3421 * 26 = 88,946
the difference doesn't seem as much as it initially appears
Just because you are afraid doesn't mean I am/was.