[bravesoul2]

I agree. I didn't mean to imply you need to have millions. More that the effect of money for an individual is non linear. It may affect how you invest though. Is X stock good? Well X is good but what about your risk profile?

For most people that is why a pension makes sense. You can accumulate a lot over 40 years there but paying into it will make zero difference to your happiness, but it might make a big difference once you hit an age where you can't earn as much.

Living frugal also helps there. Like calories in calories out there are two ends of the stick.

I like your comment!