The other side always says money can't buy love or happiness itself. But if that were true, then losing your paycheck should feel no worse than stubbing your toe. Nobody actually lives like that. Money buys the ability to skip the rent panic, see a doctor before it's an emergency, and say yes to a life you want. That's not a luxury, that's the foundation. Sure, after a certain point the returns shrink, but diminishing returns is still returns. You don't throw out a salary raise because a Ferrari won't make you immortal. Money isn't happiness, it's the raw material.

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