Yeah, that's exactly it- once you have safety, food, shelter and good health and the expectation those will remain, that's amazing. Personally I've decided to

Yeah, that's exactly it- once you have safety, food, shelter and good health and the expectation those will remain, that's amazing. Personally I've decided to forgo as many personal luxuries as possible (ie don't fly first class, no boat besides a shitty canoe, no peasant steel case rolex, no car worth > $20k in an effort to retire with a few million in liquid assets on top of my house by my early 40s. Having no worries is the ultimate luxury. Alternatively, if I lived in California where the weather is mild perhaps I would just go full Diogenes.