I don't think money is the only thing that matters but I'm fascinated you don't think having a lot of money can dramatically improve the quality of your life.
If I had enough money to live comfortably off of the return on my investments, my life would change in at least the following ways:
- 1.5 hours extra in my day from not sitting in traffic commuting to work (moving somewhere closer to work will cost me money I need to save)
- 8 hours extra in my day where I'm not deciphering and rewriting legacy code at work (sure I could quit my job and live off savings while I work on my startup but unless I'm damn lucky with growth I'd run out of money and have to seek outside investment and lose equity; I'd rather save for now and retain full ownership)
- I'd live where I choose to, in the house I want to live in, not just somewhere near to work
- I'd wake up being free to do what I want all day long, not having to sell 8 hours of my time to somebody else with the hope one day I'll be successful enough to spend my days doing the things I really want to do (things that won't necessarily pay the bills or fund my retirement, or potential medical bills, or my children's education and health etc.)
- I'd go for that eye operation so I can stop wearing these damn glasses
- I'd be free to travel whenever I like rather than currently having to trade-off working for future financial security if I choose to travel
This is just off the top of my head. Those are pretty dramatic quality of life changes in my opinion.