But then some of us don't care any more because we have reached the point where it's hard to spend what we have in the remaining time left to us. When you have everything that's necessary, you really don't have a lot to spend your money on. Even living quite lavishly it's difficult to spend more than a hundred-odd grand a year in normal living.

(Of course, you could make it a goal to spend as much as possible as soon as possible. That's doable, but do you need to do that? You can't eat more than a day's requirements of food every day. You still need a certain amount of sleep. You have a good house, not too big that you're forever having to work in it, and one you can shut the door on and go away travelling for months on end. You have a car or SUV that cost about a hundred grand, but you'll have that over several years, anyway. So what is the return for spending for spending's sake?)

Once upon a time we used to enjoy International Travel. But now we can't even spend big amounts of cash on international flights any more. First and Business Class Flying used to be much more enjoyable than 'Cattle Class', but even on those the most we spent was 35 grand one year.

Anyway, what I'm reiterating is that, generally speaking, a hundred grand is sufficient for most people to spend per year. And if you're old enough, you don't have enough years at 100 grand a year to spend all your money before you kick the bucket.

Consequently, money becomes the least of your worries. It just stops being a factor in your life at all.

Your health becomes important, and countries with single-payer health care prevent you paying too much on health. My triple bypass back in 2005 cost me zilch. A bit of pain for several months maybe.

Your personal happiness becomes the most important factor in life. Start as young as possible on that.

I'm 76, at about 10M