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I legitimately don't know what I'd do with more "stuff" than what I currently have. For me, the ideal life would be having lots of good friends, and enough money to not have to worry about paying bills or doing things I like (i.e. a salary of around 60k/yr where I live).

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That makes perfect sense if you have a job that you would still go to every day even if you weren't getting paid. But unless that's true, it's clear what the benefit of more money would be, and it has nothing to do with "stuff": having the freedom to choose what to do with your time.

Not really, that's kind of an invariant: As long as you have enough money to not have to worry about things, you can choose not to work. Sure, that raises the question of how you make money, but my point is that you don't need a lot of it to be happy.

Well, I think the amount of money you would need to support yourself indefinitely without being employed is an amount most people would call "a lot". Certainly that amount is more than almost anyone making 60k a year has.

Inflation adjusted rent of 60k a year is 1.5-2 million of capital, depending on the risk you are willing to take.

I like what I do for a living as a software developer that I don’t mind going to work everyday but I wouldn’t do it for free.

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