>there are diminishing returns on each additional dollar >For example, for me, I work to support my family. Pretty much any software job in my area will be abl

>there are diminishing returns on each additional dollar >For example, for me, I work to support my family. Pretty much any software job in my area will be able to do that for me, Yes, but are you thinking outside of right now? What happens if the software jobs dry up in your area, or you have something happen where you aren't as competitive at your job and need to change careers. What if the new career you land on doesn't typically offer health insurance? Do you have enough money for a change like that? Do you have 6 months to a year in expenses saved up? Money isn't money, money is freedom, and we're all trying to buy our freedom.