Money is like oxygen. When you have enough oxygen, you hardly feel its presence; but when you are short of it, nothing else matters other than the next breath.
The most important role of money is indeed not for spending; it is a ticket to freedom and a good remedy to reduce fear.
But do we really need so much?
I am very happy and not anxious with a passive income of 100 dollars a day, because my household expenses are about that much each month; I basically do not spend money myself, so 100 dollars is quite enough.
If one needs 3,000 to 10,000 dollars to feel safe and happy, then I estimate that most people would not be able to feel happy, and in pursuit of this income, they might take risks and end up going in the opposite direction.
After all, too much oxygen can actually lead to discomfort or even poisoning.
What suits you is the best.
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