This is great advice. One of the things I learned from the pandemic experience was how little money I needed to spend to be happy. I spent countless hours makin

This is great advice. One of the things I learned from the pandemic experience was how little money I needed to spend to be happy. I spent countless hours making music using iOS apps that cost next to nothing. The possession that’s given me the most joy over the past year is an old acoustic guitar that someone gave to me, free of charge, that sent me down the path of learning a traditional musical instrument for the first time. I used to think that if I had enough money I’d travel. We have savings now that would support living abroad, and I can work anywhere, but after doing a bunch of traveling I find I’m always happy to be back home. I like cooking my own food, seeing family and friends, sticking with my familiar routines, and so on. I recognize that sometimes funds are needed for things that would truly make a material difference to happiness, such as being able to sponsor family to immigrate or pay for a child’s education. If your decline in wealth impacts those things, then you (OP) have my sympathy, and I hope if you are patient then these things will still be possible for you. But if that is not the situation, the old aphorism that money does not buy happiness is very true. We don’t often live like it is, but it is.