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The distinction is that past a certain level of material wealth - I have seen reference in a few places to ~U$15000/yr - human happiness does not increase with increased material wealth. After that it only matters that you have more than other people do.
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Happiness≠comfort and luxury.
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Even in the US, $15K should (at least could) cover providing them at a comfortable, if not luxurious, level.
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FWIW I live in that location at that income level and I'm happy; so, yeah.