True. Money is just an instrumental goal. I was thinking about how some have 1000x more money but not 1000x more happiness. Enjoyment doesn't scale.

Yes money helps you achieve the goals on Brad’s list.

It is a luxury to not have to worry about having enough of it.

As other comments already stated and have stated, money should never be the goal, it's the middle. Having money allows you to not worry about some of those topics, or having more time for them. If you don't have more it means you must worry about that. Having money means you don't: you don't have to worry about rent, health insurance, paying for experiences, food, etc. It's true, you don't need that much money, but still.

It just doesn't scale linearly. There's substantial evidence that happiness scales logarithmically with income.

https://www.astralcodexten.com/p/contra-pritchard-on-liberal...

It depends on your current situation. For some, 1.5Xing your money can add 100x happiness

Elon Musk, the richest person in the world, is on the record saying he is 'not often happy.' Somehow I doubt he'd give up half his wealth to double his happiness, though that's just a guess based on his other obvious character flaws ;)

Past being a millionaire or so, making money is a clicker game. It's something you do just for the fun of seeing number go up. And just like a clicker game, past a certain point you're no longer making the money through your own efforts, but by acquiring assets that can make the money for you (like buying the grandmas that bake cookies for you, etc.), so the game becomes determining the right mix of assets that let you acquire more, that you can then plow into more assets for even bigger growth.

The super rich aren't making more money because they think more money will buy them correspondingly more happiness. It's a game to them played at massive real-world scales.