I often think about the law of diminishing returns. My finances had a few inflection points that improved my life tremendously:

- Left the violent neighborhood I grew up at

- Was able to eat real food every day

- Started being able to save money

- Stopped using public transport

- Got a place for myself

- Got a job with great work life balance

Now, every extra cash I make improves my peace of mind, as my biggest fear is being poor again. I don't think any extra luxury will ever make me happier than the points I outlined above did.