You raise many excellent points. I’ve also found that many wealthy people have lots of money because they tried very hard to make lots of money. They care a lot about material things and about looking cool, and they measure their self-worth in objects and assets. I’m sure both of us could have made a boatload of money if that had been our number one priority and driving ambition from Day One. And though I’m sure both of us wouldn’t mind a little more money, I also don’t think we’d be well-suited to a materialistic and superficial lifestyle. I do wish I’d spent a little less time trying (unsuccessfully) to save the world and a little more time saving for retirement, but hey. I’m pretty sure I’m both happier and smarter than most rich people on the planet.