Great article Opher. I think once you are in the top 10% the next noticeable and long term change in happiness will be when someone achieves FIRE. At that point, it’s less about how you spend your money to make you happy and more about how you spend your time to make you happy.

Economic policy wonk by day. Personal finance writer by night. I write about investing, debt, and all things related to money. Editor of Making of a Millionaire

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